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Big D | What should i do I lost 10% of my money in a mutual fund last quarter.? |
Please only answer if you know what your talking about this is a serious situation for me.....what took me about a year and a half to gain is all gone in 3 months.....I been thinking i wanna be there when the market turns around because i know thats when you make your most money.
Additional Details
Thanks everyone Im new to this stuff and have no one in my family who has ever thought of doing something smart in there life, and i figured if i called a company they wouldnt be totally honest with me. |
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Fred H
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Actually, you haven't lost a dime unless you SELL now.
Look at the top ten holdings in your fund. Ask yourself how the ten firms will prosper over time. For Q2 and Q3, the near term, energy will lead. Because of energy's strength, almost everything else will lag. |
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gosh137
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"In the 20 years through 2006, the S&P's 500 returned an average annual 11.8%, but the typical stock-fund investor earned only 4.3%, according to a study by research firm Dalbar. Investor's errant attempts to move in and out of stocks at lows and highs are mostly to blame.
In other words buy low, sell high. If your fund is low, DON'T PANIC! "Stay the course" as Jack Bogle founder of Vanguard funds would say. |
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curtisports2
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You've made about half of that back in April. If you are young, you'll be investing for a long time. Over the long haul, the trend is always up. There is a saying: "Things go down on the way to going up."
If you can afford to contribute to an investment account on a regular basis, it is better to do that than to try to 'time' the market by putting in one big chunk when you think the market has bottomed out. Investing a smaller amount every month will give you what is called 'dollar-cost averaging'. Sometimes you'll be buying high and sometimes you'll be buying low, but over time the average share price will always be lower than the market.
Stop watching the doom and gloom mainstream media, who is in the business of selling doom and gloom - "If it bleeds, it leads," applies to financial news just as much as it does to the day's crime stories. Inform yourself about how markets work and research fund companies and individual funds, develop a strategy and then stick with it. |
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larry silverman
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don't be panicking and don't sell your shares yet. The most common mistake people made is when the stock market is retreating they want to sell their shares rightway! |
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A nobody
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Mutual funds are long term investments and should not be purchased for short term gains.
Your value has dropped 10% but you didn't loose 10% of your money, the only time you can loose your money is if you sell the fund at a lost.
I don't know what funds you have, but most funds will do as good as the market and most will do slightly better. So if you make 10% in a year, that much better than putting into a bank
Remember the market goes up AND down, not up OR down.
You bought a long term investment vehicle, you have to give it time
If you're going to worry or complain every time the market drops, maybe investing is not for you and you should get out,. |
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Louisa
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Everyone here gave great advice. Just hang in there. The first quarter is always the worst, even when times are good, and with the dismal economic news, even the best stocks are in the red. |
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jebediabartlett
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Alright... everyone above gave pretty decent answers/advice...and you've already responded that you understand the situation a little better...BUT..I'm a little worried about one thing...you said you lost 10%...then you said it was everything you had gained in a year and a half...
I'm going to stick my neck out here and say...you are a little too conservatively invested... I don't want you to try and be a ramblin'gambler ( I know how hard money is to come by...and no one wants you to lose any )
I have no idea what your mutual fund is..or if you have more than one... but if it's only gaining 10% in eighteen months...IT IS NOT WORKING for you....
If you can afford to ... branch out a little...get the minimum amounts into something international...or energy...
If you are youngish ( under 32 or so )... you could put about 10 or 20 percent of your money into something like that.
I have my daughters in a couple of Fidelity funds FEMKX and FNARX...one is emerging markets, the other " natural resources... they have made 37% and 35% since about FEB 07.... I'm not pushing those particular funds...every fund family has something like those... Vanguard, T Rowe...everyone.
Just give part of your money a chance to really, really work for you.
P.S. I also don't know what kind of account you have...but if you buy funds through a broker, you can also look at ETFs... can be bought in smaller increments than reg mutual funds.
Anyway...it sounds like you're in this with not much help or guidance...so when you get a rainy weekend...or some other free time...read some of the articles about investing on moneycentral.com. It's not complicated..millions of people do it.... and if you give yourself a little edge in life you end up wayyyyyy ahead.
P.S ...and as I remember..I think the two funds I mentioned dropped something awful almost right after we bought in...so I understand how shaky you're feeling now... but believe me ( and about eight other people who answered)..they'll come back and get you way ahead of any CD or bank account in the near future.
Good luck. |
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Glenn_11
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If you are invested in a stock mutual fund and you do not need the money now, I would do nothing. Investing in stocks require a long term view (5 years or longer). Be patient. Only invest money that you do not need for at least 5 years. When the Federal Reserve is cutting interest rates I have learned that it is best to be invested in stocks. |
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Mark K
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Ok, the first rule of investing is PATIENCE!!!!!
Warren Buffet did not make billions by panicking every time the market dropped. You have not lost any money until you sell. Look at this as a time to buy more at a lower price and when the market rebounds you will be even better off. Over 90% of the ten year periods the market has been up. |
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src50
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It's only "gone" if you panic and bail out now. Mutual funds are for long-term investing. Stay the course. |
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kylecurtis23
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You most likely have absolutely no reason to be worried...if you are in it for the long run, this is a perfect opportunity to purchase additional shares at a bargain. The markets will turn around and your returns will probably have similar returns...Nothing is 100%, but considering the fact that you are invested in a mutual fund, you are probably properly diversified...hold steady...(it is hard to give advice if I dont know what securities you own) |
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Laissez-Faire Guy
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What you first need to realize, is in the immortal words of JP Morgan, "Stocks tend to fluctuate."
I want you to put the thought of timing the market out of your mind for now. Ask yourself this question. How upset are you by the 10% loss? Will it cause you to lose sleep worrying it might go down another 10%. If the answer is you are upset and you would worry, then get out. You have no business investing in a stock mutual fund. Put your money in a nice safe CD or savings bond and sleep good at night.
If you are fine losing another 10%, but possibly making that or more, then stay in and ride it out. I personally feel the market will be in turmoil another 6 months, but will trend upwards afterwards. But that's just my opinion. |
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gin
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Hi,
I'm not sarcastic here at all. You're in good shape. Just buy more shares now even of the same mutual fund unless it is a total dump. Seems like the shares of this particular mutual fund is down about 10%. GOOD, very good. Just buy more now and when the market recovers enjoy that extra 10% gain (no quick money here, no millions overnight, OK?- you will have to wait, period) This is exactly what we call "buy low, sell high". That would be my strategy. But if you not comfortable with that strategy and about to have a stroke when you realize tomorrow or so that your losses are 11%, than this game of price fluctuations is not for you, period. Would recommend bank CD's in that case.
Good luck. |
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Marc E
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It's really difficult to say conclusively what strategy to take. I don't know the costs involved with managing your particular fund. If you want to protect against further losses, you could use a hedging strategy by using a leveraged product such as CFDs or spreadbetting.
If your fund is invested in say property and you think the value of property is likely to drop, you can take out a short position using a spreadbet. If the fund value drops, your short position pays to compensate for that loss. If the fund value rises, great. but those gains are eroded a bit by the short position failing.
It's difficult to make money this way, but at least it can protect your capital and that should be your primary goal in this turbulent climate. |
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Don
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my BLOG: kavac.blogspot.com |
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