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Is it normal that my 401k and Roth are dropping so much? Will it go up? What do I do - just stay put?

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Stay put!

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EVERYONE is experiencing this. It’s like daylight robbery.

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I’m actually happy about it. I make good money and am now buying stocks at a discount. I won’t need the 401k for ~30 years

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We survived the plague

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How old are you? If you're young, this may be good for you in the long run as you don't have a lot of value to lose and you'll be buying more shares with every pay period. When the market bounces back you'll accelerate given the higher volumes you're currently purchasing. -signed, someone who went through this during the financial crisis.

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Yes, yes, and yes. Just stay the course and keep on contributing as you have been, or more if you can. In 20 years this will be nothing.

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Would you guys change anything to this diversification? Just upped my contribution to 30%

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30% is better than ...29% ...but the pertinent question is, are you on track to maximize the yearly contributions? For 2020, it is $19.5k. That should be your aim. Too many funds and I'm not familiar with the options. You need a 2-3 funds portfolio. Broad market stock, broad market bond, international in about 80:15:5 (the international being optional).

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Okay. Should I up my contribution???

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Marcus by Goldman Sachs and Discover have good high yield savings accounts. The interest rates have gone down a lot over the last few months though as the Fed has lowered rates. You should have different investment strategies with various horizons and levels of risk to diversify your portfolio and ensure that you'll have liquidity when you need it. With short term investments you would be employing different strategies than the typical buy-and-hold of long term investing. For example, buying a stock ahead of an earnings report if you expect the company to beat estimates. Or, if you're investing money that you'll need to use in the nearer future (e.g. savings for a down payment), you might want to invest in something very safe and stable as your goal isn't to make big returns and you don't have time to ride out any losses. In my list I was referring more towards traditional investments (e.g. stocks, bonds, index funds, etc.), whereas real estate is considered an alternative investment, but it's good to have alternative investments to create a diverse portfolio. When investing in real estate buying a flip could be considered the short term option, while buying a rental property would be a long term investment.

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Are you living under a rock?

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Are you a dick?

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Have you been following the news? The markets have dropped by more than 30% in the last month due to Coronavirus fears. It's completely expected that your 401k would be down by a significant amount. As long as you're not approaching retirement, you should leave your retirement accounts alone. You have a long investment horizon and plenty of time to ride this out. Keep contributing to your accounts to take advantage of this dip when the markets recover. The recovery might take a while, but we'll get there eventually. Don't panic.

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