You can't "protect" your investments, so stop trying. When you started investing in the stock market you knew that the market would go through cycles. It has gone through several cycles during your investing lifetime, and every single one has ended with new all-time highs. Face reality and stop trying to change what you cannot change.Question: I can not find a better way of protecting these funds from a major downturn in the market.
Wait! That's exactly my own plan that you're rejecting. My plan is to ride the downturns and wait for the recoveries. In fact, that's the opening paragraph in my investment policy statement. If it works for me, it should work for you. (By the way, 5-10 years for a full recovery is definitely a worst case scenario. Most downturns don't last that long. Are you in danger of running out of money?)As a retiree I don't want to watch a 40% downturn and have to wait 5-10 years for full recovery.
How did you get fleeced? Who fleeced you? If you rode the market down, then you also rode it back up, and your portfolio was worth more at the end than the beginning. That sure isn't fleecing. Or... did you do some buying and selling during one of those downturns and lock in some losses?I have been in this position before and at that time I knew a major downturn was coming but I just stuck in there and got fleeced.
Statistics: Posted by UpperNwGuy — Mon Dec 08, 2025 3:34 am — Replies 5 — Views 376