I think your initial asset allocation was not wrong but just congruent with your risk appetite! The initial entry with PAC may fit if entering with a PIC would not have made you sleep at night. Now it matters little how far the markets are, for the long term the important thing is to stay within the market as Manuel said.
••
@Revan9 ok perfect, yes actually it fits as a reasoning! Obviously I stay inside the market, but to get to my assett all 'allocation, and then enter at least another 17k, if I end up with different liquidity in January 2025, better to continue with PAC and enter in like 12 months, or 2/3 PIC in a few months?
This is my current doubt
This is my current doubt
••
The PIC over the long term yields more because you don't miss any bullish days, but if for a psychological issue you prefer to enter the market gradually you can enter the market over 6-12 months by putting the remaining liquidity in the meantime in, for example, short maturity securities. However, every decision should be made on the basis of your predisposition to risk, in case a less risky approach is understandable and more appropriate, there is nothing wrong with that! In the meantime also understand market dynamics better and reprogram your strategy better: the important thing is to be consistent and not have FOMO 💪🏻
•
11
•