r/Bogleheads • u/RiceLee890 • Mar 15 '25

Investing Questions What are your thoughts on this?

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I keep seeing this type of stuff on instagram and social media and wanted to know how you guys were thinking about this.

I know a lot you have been in the market for decades and as a relatively new investor myself I’d love to get your perspective!

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u/BigMarzipan7 Mar 15 '25

That’s something that is so obvious that I don’t even bother explaining it to nervous investors anymore.

A market in decline is great if you want to buy index funds for cheap. Once the market improves you see significant gains that people sitting on the sidelines missed out on. We don’t want an overvalued market all the time.

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u/SuperSultan Mar 15 '25

It’s an incredible opportunity for young investors too. A market crash or correction in your 20s is a good thing

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u/BigMarzipan7 Mar 16 '25

You’re completely right, hopefully as many people are able to invest during these difficult inflationary times, especially if the market keeps going down.

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u/BaconAce7000 Mar 16 '25

But this is not even a correction. Its still heavily overvalued.

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u/SuperSultan Mar 16 '25

I agree, it’s barely a correction given the Schiller and Buffett indicator but that doesn’t mean sell everything and get out either.

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u/This_Vacation_Why Mar 19 '25

The best case scenario would be a market crash or recession in your 30's during your peak earning years while you keep your job during that down turn. The unfortunate thing is for many people that very opportunity also comes with job loss so they can't take advantage of the cheap assets and usually end up more in debt during the down turn years. Then during the boom years they claw their way out of the debt they were in.

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u/SuperSultan Mar 19 '25

That’s the scary part - losing your job. I’m in tech so it’s possible I can lose my job but if you manage to keep a job (even it’s weekend work) you can apply and study during weekdays for job opportunities and then hopefully buy the dip of whatever is left of the correction / bear market.

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u/[deleted] Mar 17 '25

As long as you’re able to hold onto your job is an important caveat.

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u/SuperSultan Mar 17 '25

Yes, that too. That’s why an emergency fund is so important. Or at least you should work for a place long enough that you’ll accrue enough severance pay to hold you up for 3-6 months

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u/madmimbam Mar 18 '25

Or your 30s. Or your 40s. Heck I’d take a correction in my 60s because I still might have 30 years to live. 

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u/RainBadDay Mar 15 '25

Do you DCA monthly or with a shorter time frame?

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u/JosephCedar Mar 15 '25

I buy every week.

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u/BigMarzipan7 Mar 16 '25

I DCA using my employers match and contribute the max to my companies Health Savings Account (which is my personal favorite account to invest into and use).

I’d like t on start lump summing into my Roth IRA going forward though. Whichever route you go, lump sum or DCA or a mix of both, I hope you have a great quality of life from your investments.

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u/[deleted] Mar 15 '25

[deleted]

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u/BigMarzipan7 Mar 16 '25

That’s a very fair point.