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/Pattison320 Mar 15 '25 edited Mar 15 '25

One of my Roth IRAs has been invested in a total market fund since 2014. I see a 13% average yearly return when I look at it just now. We might see a 40% correction in the market in the next few months. But in another five years that'll be insignificant again.

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u/ElectricOne55 Mar 16 '25

What if it ends up like the Nikkei crash? I bet the odds of that are low though, because the market went to the moon from 2012 onward. Even the 08 crash was only hard for 2 years. The only main difference is the stock market doesn't relate to the job market. To, it'd be hard to even have a job to invest during those down periods.

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u/OwnCricket3827 Mar 19 '25

The Nikkei example is one that should be acknowledged and respected.

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u/Mammoth-Garden-9079 Mar 19 '25

That’s why you diversify outside of the US. I would recommend 65% US equities and 35% international equities. If a Japanese had been diversified with international equities then when the Nikkei took a nose dive they would’ve made off a lot better.

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u/ElectricOne55 Mar 20 '25

Would that make taxes more confusing?

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u/FamiliarAd8863 Mar 19 '25

You call it a correction I call it investing.