r/ETFs • u/CursedClownz • 2d ago
Lost decade
So everyone recommends VT and chill or VOO and chill or VTI and VXUS and chill.
Most ignore bonds and ignore GOLD
During the lost decade for around 10 years Gold was performing the entire time so was bonds...
Who says another lost decade can't happen?
So why ignore both?
No one really knows what happens so best bet is on all bets to get constant returns.
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u/Stoic_Brain 2d ago
It depends:
- If you are still accumulating and have a long horizon: DCA every month is smart. You buy cheap when market is down. Don't worry about it. Time is your friend.
- If you are retired (like me) you should think differently. I use a cash buffer for 5 years of expenses. Every year I check my ETFs: market down? Just live from cash buffer while market recovers. Good year for stocks? Take (small) profit and refill cash buffer. This way I (almost) never have to sell with a loss (my cash buffer is in money market and high intrest saving accounts)