[Amy]

Just curious of the majority of everyone’s opinion with everything that is going on within our economy… is everyone still on the thought of holding onto their stocks or choosing to invest in other investments that are more ‘secure’?

In today’s market conditions, are you holding onto your stocks or shifting to safer investments?

With economic uncertainties and market fluctuations, some investors prefer to stay the course, while others opt for more secure options like bonds or cash reserves.

What’s your strategy, and why? Let’s discuss!

[Elisa]

I’m still buying into the stock market, but also started increasing my emergency fund.

With the job market the way it’s been for the last couple years + AI + what’s starting to feel to me like an assault on working folk on multiple fronts, I no longer feel confident that my current EF would be enough to get through a job loss.

I’m also tightening up on discretionary spending as well.

[Tony]

I’m cashing out of my individual stocks as they hit their quarterly earnings and moving them into my EF.

My job has turned unstable at the moment with all the government hacking and slashing and I’m waiting for the ripple to fully hit my industry.

On Friday we had a hiring freeze put on and all our expenditures are being scrutinized.

I’m seeing red flags throughout my industry and hearing anecdotes from friends and colleagues about what they are currently experiencing in their own industries – all very reminiscent of the weeks in Feb and March 2020 leading up to covid.

I’m in a good financial position currently and happy to sit a few months out to watch how the current chaos impacts inflation, CPI and consumer confidence before jumping back in.

[David]

I don’t let emotions guide my finances. Remember more people have lost money trying to time the market by being irrational than they have from buying, buying, and holding.

This time is no different.

I’m still retired and sailed today in Key West. Doing nothing different.

[Jordyn]

Sell it all NOW. Then put it into gold or bitcoin. Later on sell that gold and bitcoin and place it all back into the stock market depending on how the midterms go.

Rinse and repeat this based on how your party does every 2 years.

Or you just follow the ways of J.L. Collins The Simple Path to Wealth.

[Christin]

I see very high risk for an economic recession and protests / civil war in the next 2 to 5 years. Longer term, things will come back to a new normal.

No change to our allocation for long term retirement funds. Building up cash for emergency funds.

Thinking about selling US property and buying a place in Europe for retirement in the long term (dual citizenship) or to go back to if the US becomes unsafe.

As a woman in Texas, I do not feel safe already and I am scared for my daughter as well.

Hope the market crash comes fast so that there is enough time for it to recover before we retire.

[Jay]

Always be buying. I am 100% in index funds. I will ride whatever happens while buying more.

You know we literally just hit all time highs right?

[Kendal]

Think about it this way the S&P 500 is the most secure thing we can invest in since it’s literally the entire US economy.

If anything happens to our economy then money isn’t going to be at all important after that anyhow.

[Emily]

I’m definitely putting more into emergency funds and less into stocks, mostly because my job/ career field is not secure in this political environment.

[Diya]

I got laid off and my severance has added to my cash reserve. Thanks to this group, I’m CoastFI and have enough to weather the storm for next year or so

[Zubila]

Idk I’m terrified- I think maintaining diversification is safe – precious metals , moving cash around , spending less money (economic blackout on 2/28), moving money into credit union, crypto.

But idk I’m worried the oligarchs are taking over

[Erica]

Due to the current administration’s proven mental instability and historic disregard for the law, I am beefing up my EF and cutting back on expenses until the grown ups are back in charge.

[Damon]

We keep a relatively diversified portfolio. Income producing real estate, businesses, equities, some small private lending, now even some crypto, among other asset classes.

I assume the equities market is going to take a big dip, I just don’t know when to exit or enter the market and don’t think anyone else knows much better than me.

[Dawn]

I lowered my 401K contribution from the max to the max for the company match; am beefing up emergency savings; picking up gig work here and there; and spending less money on non-essentials.

[Garrett]

I’m holding, but not currently buying. I have cash set aside that I will invest when the stock market crashes. In 2020 during covid I sold the day I heard “we are at 15 going to zero”.

Sold and rebought when it crashed so hard they had to stop trading. It’s going to happen in my opinion.

[Author]

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