I decided early that this was not the natural end of the 10-year bull market and simply a black swan event that would be mitigated by overwhelming stimulus and intervention by Congress and the Federal Reserve. Once the CARES Act passed, I took the cash in my investment accounts and started steadily adding to my positions, I’m currently buying large cap oil and banks at huge discounts, as they have lagged the large cap tech names leading the bounce back. The rotation out of tech has already started. Not adding to my index funds other than my 401k contributions, I think stock pickers will outperform index Nice Toilet Paper 2020 Fathor Noun Like A Dad Just Way Cooler Shirt funds in the near term.
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Nasty corrections like that are the main reason I’m a firm believer in an above average allocation to cash and short term bonds1. If you have a few years of expenses in those, you just have to repeat to yourself “Only declines in 3 years impact me. Only declines in Nice Toilet Paper 2020 Fathor Noun Like A Dad Just Way Cooler 3 years impact me.” That’s what worked for me during this crash and the little bear market in late 2018. Short term bond funds can become dislocated, as we saw in March. So your cash and FDIC funds need to outlast that dislocation. A couple months should be fine. Then your short term bond funds need to outlast the equity dislocation, which is the 3 years I mention above.
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Does your Nice Toilet Paper 2020 Fathor Noun Like A Dad Just Way Cooler share the same frugal FI views as you? I’m curious about your view on a deep meaningful relationship with someone who doesn’t know about your financial situation… it’s one thing to never get married but I feel it’s a little different if she doesn’t even know much about your finances. Or are you ok with a relatively separate life / finances when it comes to relationships and don’t feel the need to be that “close”? I’m not judging, I just can’t wrap my head around it because it feels a little lonely to me to have no one to share your journey/life goals. Thanks.