10Mes·

Good afternoon,

I need your tips on what I should do. Shortly before August 1, I bought the ETF All-World $VWCE (+0,18%) ETF in large quantities at once (approx. 10,000 euros). I also bought shares in various tech companies such as Google $GOOGL (-0,23%) , Nvidia $NVDA (-2,6%) Amazon $AMZN (+0,7%) Adobe $ADBE (-0,17%) and Apple. The problem arose last Friday when various positions fell sharply by 8 to 16 percent. The position of the ETF $VWCE (+0,18%) itself fell by around 4 percent.

Although the percentage loss of the ETF is small $VWCE (+0,18%) is small (only 4 percent), but with a stake of 10,000 euros, the absolute loss of around 400 euros is still considerable.

Today I also read briefly about a possible economic recession, which could lead to the ETF $VWCE (+0,18%) could even fall by 30 percent. With an investment of 10,000 euros, this would mean a loss of around 3,000 euros.

In retrospect, I should have bought the shares monthly via a savings plan instead of all at once.

Should I now sell the shares and ETFs quickly at a loss or wait? That will also be painful, as the losses are already high.

Thank you in advance for your advice.

25 Commenti

10Mes

Just keep a savings plan running and automatically buy more shares when prices rise 🙂 I've been in the market for years and so far the market has always emerged stronger from a correction 🍀🙂🙋🏻‍♂️

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Mediengestalter@equity_expert_640

10Mes

Thank you. Why did many stocks fall sharply last Friday? How long will it take for them to recover (especially Amazon stock)?

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Artiskon@Artiskon

10Mes

@equity_expert_640 whoever knows that won't tell ;)

It may only be a short kink, but it can also last for months or even years.

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JM@jm_finance

10Mes

@equity_expert_640 If you invest in shares and ETFs, you always have to expect corrections, that's just part of the stock market, otherwise you have to think about alternatives, possibly overnight money or similar....but in the long term, shares + ETFs are the best way to go 🙂👍🏻

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GeldGenie@GeldGenie

10Mes

Hi!

The nervousness of an investor is usually due to the following points, without weighting:
- Ignorance
- Excessive investment (speed)
- Lack of a nest egg
- Lack of liquidity planning.

If you have a nest egg, you know that you won't need your money for the next 5 years, you have informed yourself about the specific investments and about investing in general - it can only be due to speed.

If you explain your situation in more detail, I can give you more specific advice.

In general: I would hold on to the positions, let the savings plans run as usual and thus push the average down. So you use the low entry prices for long-term success.

But if you need money from the pot soon, then I would think about an exit, also here :slowly:.

It's your money - it's your decision. You can't rely on anyone and only you bear the consequences.

As a little motivation: I lost about 50% of your portfolio value last week - and I'm holding on to everything and continuing to invest regularly. I'll be fine! :-)

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GeldGenie@GeldGenie

10Mes

@GeldGenie Addendum: I have read your answers to other posts.

1) Clarify what happens to your assets when you leave the country.... One year from now is VERY soon...
2) Make a liquidity plan for the next 3-5 years. Expected income (tend to underestimate) and expenses (tend to overestimate). - Then you know where you stand and what you need from your assets (preferably NOTHING - anyone who spends more than he/she earns and does not save 15-20% lives ABOVE the standard he or she has earned and worked for! Then I would rethink my financial situation as a whole).
3) When 2 and 3 are done - you should know how to handle your investments. An emotional investor is a bad investor. Rationality is a must.
Bonus 4.) Make a budget. For the next 12 months and also your own after that (assuming income and expenses change...)

GG

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Mark777@Mark777

10Mes

"Buy and hold long for two to a maximum of three high-quality individual stocks (Dist) +Msci World + EM Markets. If the price goes down, the world doesn't end immediately, time will tell.

This is a good way to go and you can sleep peacefully.

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FunFun@__FunFun__

10Mes

@Mark777 and if the world comes to an end and your world Depot records -80% then you have completely different problems than your securities loss xD

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Mark777@Mark777

10Mes

then you sell with a minus of 80% and 2 months later you regret it, crises are part of it, with individual shares it looks different

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Olaf@Olaftheheino

10Mes

Diggi you are not investing for 2 months but at least for 5 years all easy lean back drink beer and buy more now is the time to buy cheap and make the profits

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Michelle@About2Learn

10Mes

Have a little patience. At first, of course, it's shocking, but it's also moving in a more positive direction. Before a recession, it may also go up again. If you are still liquid, buy gradually, possibly using a savings plan.
Just be patient (:

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Mike_Invest@Mike_Invest

10Mes

Hello. How long is your investment horizon?

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Mediengestalter@equity_expert_640

10Mes

@Meikl_22 Hello, my investment horizon is about one year. After that I will be moving abroad (to a country outside the EU). I don't know whether I can take my securities account with me.

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Mike_Invest@Mike_Invest

10Mes

@equity_expert_640 Phew. What was the plan behind your investment?
Shares can also go down sometimes...
Why not with 3-4% interest overnight money?

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Mediengestalter@equity_expert_640

10Mes

@Meikl_22 I wanted to earn a bit more money in a year. I wish I could reverse it and use call money instead of shares. I bought shares in big companies like Google and Amazon, thinking that these shares were safe. Unfortunately, they can also fall by up to 16 percent.

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Mike_Invest@Mike_Invest

10Mes

@equity_expert_640
Now, of course, good advice is expensive...
Rationally, I would probably put a stop-loss (to get out with a loss I could live with)

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user03@user03

10Mes

@equity_expert_640 Do you really need the money in a year's time? And is it really not possible to transfer a custody account?

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Charmin@Charmin

10Mes

@equity_expert_640 So if you're not moving to a banana republic, a custody account transfer is no problem at all.

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Charmin@Charmin

10Mes

@equity_expert_640 They can even fall much more. The stock market is not acting rationally. If Iran makes good on its threat to Israel tomorrow, there will be a crash not only in Tel Aviv and Tehran ...

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Stefan@Slucks87

10Mes

Don't panic! Just let the savings plan continue to run and be happy about falling prices (cheap naked opportunities) there were times depending on when you got in that you were in the red for years with an etf and yet there were new all-time highs and there will certainly be again, I have positions that are about 20% in the red, I'm now buying specifically and just let it run

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Skymoon@Skymoon86

10Mes

Exactly same situation for me but 20k€ iso 10k€. I will just hold for long term and keep buying the ETF when I have money.

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FunFun@__FunFun__

10Mes

Just leave it - you only have a loss when you realize it ^^

And no, statistically it is better to invest a single amount at once instead of over months or even years per savings plan =
time in the market beats timing the market

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Ironman@Ironman2022

10Mes

If you're asking questions like that, you obviously didn't do your homework before investing. Shares are only for the long term. Interim corrections are quite normal!

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Charmin@Charmin

10Mes

If you don't need the money - leave it, set up a savings plan - it's just a few clicks. Then it's best to forget you even have it. If, on the other hand, you've been playing with money that you might need soon, phew ...

Your post clearly shows that you have nerves of steel. That's fatal for equity investments, especially if you only think in the short term.

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Sebastian@Enigma_4

10Mes

I've lost €300 on my investment of just under €2000 over the last few days and weeks, I don't have that much cash etc blah blah blah.
The loss of just under 20% at $TSLA hurts me, but I was stupid enough to get in late.
Sit back and wait and preferably buy more to push the "buy-in" (if you are convinced).
Topic $AAPL... a new iPhone and iPads are coming out again soon 😉
$AMZN Black Friday will fix it again and the rest of the time, especially with ETFs such as $VWCE, all you have to do is look at the last few years ... there has always been a slump.

Even if it hurts to see your money flow away, but it will come back

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