Is now a bad time to invest for the first time?

  1. If you are investing for retirement it’s never a bad time to buy an ETF. If you are looking looking to make a quick $ then maybe wait.

  2. If you’re looking to make a quick buck and this is your first time investing, then take a step back and realign your expectations.

  3. On the other hand, if you’re looking to make quick $ maybe don’t wait. This market has been crazy and unpredictable, and there’s no sign of it stopping. They came out that inflation is expected to keep rising through 2022, so the feds must not be looking at interest rate adjustment or the like yet.

  4. Its a good time to dabble money slowly into the market. Keep note that we are in shaky times and the market could crash any day. Orrrr it can go up for the next 10 years and we never see these levels again

  5. Lemme know if this makes sense: I think market is not gonna keep going up it will flatline for a while and the other situation is that it crashes

  6. Look for the most pessimism and invest there if you believe in a rebound. Market is coming out of a period of extreme euphoria and the optimism of the bull market has not yet worn off. Cracks are starting to show and that's where you can take advantage of a turn towards negative sentiment.

  7. How do you look for the most pessimism? I haven't been through a crash before. Will it get to a point where almost everyone is suggesting sell even though it's against all logic? Or will it be the case that a group of people are losing their heads but the majority are still realistic about what's going on?

  8. You can't time the market. It's that simple. What you can do is be smart about it. See in news that stocks fell? (yesterday) Buy a little.

  9. Very good advice, especially in a period that may or may not be bearish. Buy a little, and if it dips deeper, buy more; if it goes up, buy more anyways.

  10. I always think it's a good time to buy when the entire market gets slammed. The key is to finding stocks u think were oversold. Spread the funds out a bit on several stocks or buy 1 stock u like but only spend 25 to 50% of ur cash if ur worried about the market. Then if it dips further u can buy more to average down. If it goes up u still make $ and use the rest on another stock. I usually like to keep cash on hand for stocks I like that are in the red and when I'm long term on them.

  11. Time in market > trying to time the market, especially if your new - just don't go cherry picking stocks, stick to an ETF like VOO or VTI

  12. I would recommend slowly buying into the market. Buy an etf since you most likely don't know how to pick stocks.

  13. It really depends on your time frame. If you only care about short term gains, then personally I'd stay away. But I'm not a trader so the short term isn't important for me. I'm looking to hold my positions for years.

  14. The markets could continue upwards, or they might go down. They might also go up, but then again, don't forget to take into consideration that they may very well go down. Or up.

  15. I started investing in 2018 and at the time all I read was how markets were at an ATH and a crash was imminent, well the market has done nothing but rip since then. I’m 80% index funds and my return has been pretty nice.

  16. It’s a good time if it goes up and a bad time if it goes down. One thing for sure. The market will go up and down.

  17. In your other post you said you are 16 and sounds like start of lifetime investing. Put in a small amount that you are not too worried about. See how it goes for a month or 2. I can't tell you if the market will be up or down in that time but it's obvious that volatility has gone way up. Then you'll get a feel for things and learn a bit, kind of ease into it.

  18. Now is an amazing time look how many blue chips are off ath (fb, pypl, v, baba) plus most growth stocks are 50%+ off if you have a higher risk tolerance

  19. There is never a bad time to start investing. Maybe your investments won't make much, or might even lose to begin with, but "time in the market beats timing the market" every time

  20. If you’re investing in a conservative ETF for the long term (S&P500), it’s never a bad time. Shovel in as much money as you can as early as you can. Thank yourself 30 years later

  21. Don’t try to time the market. If you invest, do it for the long term. You will lose 85-90% of the time if you try to trade short term.

  22. Dollar Cost Average into and ETF such as SPY or XLK. If you will be in a brokerage like Fidelity or Vanguard, choose a zero cost or low cost mutual fund that tracks the major indexes. Set a contribution amount for that is evenly distributed over the course of the following months or year. Depending on the timeline you’re comfortable with and walk away. Unless, it drops 30%, then start to add most of your position from that point onward.

  23. It’s never a bad time to invest. VOO and/or VTI and just chill. Or, if you have Fidelity, FZEROX is your best friend since it charges you nothing to invest in it.

  24. Yes, it IS bad! You should've invested yesterday! If you are investing, not trading, then small turbulence doesn't matter in the long run, ruining your nerves and wasting effort for pennies in 30 year span.

  25. its always the right time to out, Dca, let go of emotions and be happy in 10 years. Everyone will always say the same when it comes to investing “i wish i started earlier”.

  26. chances are by the time you are comfortable the market isnt crashing and is heading up it will already be higher than now

  27. Keep asking yourself that and you'll never put money in, as they say, "time in the market beats timing the market".

  28. It's never a bad idea to start learning. Not to downplay it - I think it's great you want to invest - but even if you lost that whole $2000 it wouldn't be the end of the world (if it would be very bad for you to lose the $2000, you shouldn't invest it period). But assuming you can afford it, there's no sense in timing the market with that amount of money - the difference will be a few dollars, if not a few pennies. I say invest and learn. Of course, one of the things you should learn is to never go all-in at once, so try to spread out your entries. It'll make you feel better about potential upcoming negative events too (not that I personally think there's anything to fear)

  29. If I rob someone and yell "this is not a robbery", it's suddenly not a robbery anymore? Also there's probably a reason why there are thousands of flat Earthers aswell, but does that make it a good reason?

  30. I would just accept that typically once a year you will lose 10%, every few years 20%, and every 20 years or so 30% to 50%, but despite that you should average 10% per year if you stay invested. Also accept there is no reliable way to know when these moves will occur. Invest through it. Building up $2k is great, you’re going to need to do that many more times and most of the time you put it to work, it will go up. But sometimes it won’t

  31. Don't buy anything till December 18th (or later). Wait to see what the ramifications are of the Fed Dot Plot reveal. Google search "FED Dot Plot Interest Rates"

  32. There is never a bad time to start investing. Maybe your investments won't make much, or might even lose to begin with, but "time in the market beats timing the market" every time

  33. It is and isn’t. While this is the most inflated the market has ever been, and clues to a correction are pouring in - it’s been the case for almost a year and nothings corrected or crashed.

  34. As long as your expectations are reasonable just drop that in the SPY and forgot about it. Let's say we get a correction literally the day after you invest and you are down what, 300 bucks for a little bit? That won't even show up on a chart when you are checking your portfolio in 20 years.

  35. I hate the “don’t invest what you can’t afford to lose” advice and think the good advice behind it (don’t invest money you will need very soon since you may be down when you have to sell) is lost. Yes, don’t put your rent money into a meme stock but the idea that investments into broadly diversified index funds or stable blue chips could evaporate instantly is misleading.

  36. With $2000 id say take $500 and have a dabble.. with the market choppy and unpredictable as it is atm you can afford to try some things and get a feel for it, still stick to small trades tho and don't risk yolo the full 500 on a whim....if you can yield small profits for the next few weeks in this shit show or even lose small amounts it will give you an idea of what trading is about.

  37. Mega caps all hitting aths same with index funds, everyone leveraged out and trading on margin debt at all time highs, fed about to start tapering purchases. On the other hand you got inflation running hot so every day you're holding cash you're losing money.

  38. Do the opposite of the news. When news tell you that it is a good time to be in the markets, go cash. When the media tells you that it’s a bad time to buy, go long.

  39. I’d wait. The Republicans are determined to tank the market to spite their face. It will probably work so expect a crash before end of year. Open an account so you can take advantage of a real dip.

  40. To quote a cliche: it's not timing the market, it's time in the market. It's not a bad idea to dip your toes in the market, even if the markets are volatile. What matters is how long you plan on keeping your investment in one place.

  41. I think it's the best time. It tax season selling, along with covid, and fed curbing. Trickle in though.

  42. I usually look at what the average (VWAP) has been over the last 60 days and see how much more I'm paying than the trailing average. If I can get close to that it means I got free time in the market. Usually I can't though, so I'll try to project where the price could be in a month and if I can get a price better than that then I at most lost a month in the market. In general I'd rather buy and accept I lost a couple weeks of value than to wait a couple weeks and lose it anyways. DCA is probably good advice though when there is a big headline like this though.

  43. It’s time in the market, not timing the market. Start slowly and add funds when you can. Never invest money you’ll need soon. This is a long game.

  44. Stock market might go up, might go down, but it will always go right. The professionals have a devil of a time predicting the highs and lows and most people agree that trying to time the market is a fruitless endeavor. With this in mind just go on and buy into your chosen index ETF (QQQ and SPY are the most common starting ones for a reason.) and keep investing.

  45. I can’t remember where this came from but ‘the best time to invest was yesterday, the second best time to invest is today’ you’d have to be very unlucky to buy very near a crash so not doesn’t seem that bad of a time to buy, just buy the right things, etfs such as VOO VTI QQQ.

  46. You should paper trade until February. This way you could learn the ropes without losing any money and then once there is a pull back (I assume it will be in the new year after bonuses are taken) you could buy in cheap.

  47. People have been making posts like this at least once a week since 2015. The market will move to the right. Nobody knows the future. And if they try to tell you they do, they're lying.

  48. I'm just a rookie noob so that this with a grain of salt... ask yourself what you want to invest in. Do you want to invest in an ETF such as one tracking the S&P500, or do you want to invest in some particular compagnies?

  49. Also, the variant may not be a reason to not invest if it turns out a nothing burger. There's always some sort of skepticism to the bull run and eventually a contrarian concern will be correct but until then, the teams trend is your friend. Don't fight the trend, we're still in a bull market

  50. Just don't buy loss making companies right now, due to possible rate hikes. Buy the tech leaders or boring stocks like Walmart and McDonald's.

  51. Look up dollar cost averaging. Don’t lump sum invest or you’re going to stress about timing. Invest small amounts weekly. Market dips? Buy. Market rips? Buy. Market trades sideways? Also, surprisingly, buy.

  52. DCA helps to allow less emotion you don’t need to spread out your buys for a year but if you have x amount of money and want to buy into the market I’d say spreading out 30-60 days along the way that way you feel like you didn’t just dump your hold wad at once. This is of course if you have a significant amount to invest like 100k. (Relative) if you got 1k I’d say just dump it all at once.

  53. Invest what you can afford to lose… but also consider that not investing your money makes you financially illiterate as this last 2 years were the best time to invest ever, also as much down side potential there is upside potential, covid may cause a drop, but tech development is accelerating and you dont want to miss “that” train

  54. My first day of true investing was 2 days before the largest correction post 2008-09 That money has now tripled since then. If you truly want to invest. Then start right away

  55. Stay in Cash a little longer , I’d say stay Cash till January . We are looking at a lot of selling because of global issues , Fed policy , and tax reasons

  56. The market is going to be insane for the foreseeable future, and there is going to be another variant after omicron, so you would be waiting forever. Trying to time a buy in is a very hard thing to do, every time I have tried to time a buy in I would have been better off putting the money in from the start and not waiting. All that being said if I was going to try and time the market I would wait to buy the dip when the first Omicron case is found in the United states, but information could come out by then that Omicron is not as bad as delta and the market might not go down. So as you can see you could spend an eternity agonizing about all of this its better to either just buy everything at once or average in on some sort of schedule and get the ball rolling then to wait in my opinion.

  57. Every one has been scared since it’s been looking like a crash but then again with a never before seen virus that caused a global pandemic and national lockdown didn’t force a crash or recession and in fact rebounded to all time highs. No one knows. We can crash tomorrow or continue up for the next 10 years

  58. The wise thing to do is dollar cost average in, and similarly, dollar cost average out of positions. Very few swing traders will end up positive. Getting in and out of markets trying to make a profit is up to luck. There’s a way to turn that $2000 into a million dollars within a week. But nobody knows it. And if you accept that, dollar cost averaging will work for you.

  59. Anytime you can invest is a good time. Don't try to time the market. Learn to control your emotions. Investing by definition is something you hold for ten years+. Anything less is gambling

  60. Buffet and Bogle both stated that waiting for a correction is a mistake in the long term, especially if you're investing for the long term. If you buy into an index fund the worst that can happen is you'll lose a few percent short term unless there's a major crisis. The chance of you losing everything is slim to none, and if that happens I wouldn't worry too much because you won't be worrying about your investments. Like others have said here, time in the market beats timing the market.

  61. If you’re not familiar with Dollar cost averaging, then I recommend you read about it. For an inexperienced/new investor the best approach is to DCA on an index etf or mutual fund.

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