How were 2021, 2023-2024? 
(Hint: lucrative as hell!)
For me personally 2021 was a learning time. 2022 - the graduation exam. 23-24 - staying on the track.
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Thatâs a good analogy, I started in 2022 but learning is right now for me. In many ways the last say 5 years could well be the best early learning experience an investor could ever get. War, pandemic, policy madness, extreme bull run all wound up in 5 short years that feel effing long.
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This is where Iâm at as well.
The connection of shitshow politics and my networth is something I donât want to affect me as much,
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Meaning? Your portfolio value will be affected by everything that happens, short term, but you donât have to be affected by either one 
.
Itâs crazy how small the 2020 blip is.
Itâs more or less up and to the right all the way except for a few blips for dotcom boom, 2008 crash and the post-covid boom.
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Itâs that big 2000-2010 lost decade which is scary, but can be overcome within a few years with constant reinvestment.
Marketâs pricing in Buffettâs stepping down in December, making me think thatâs all the pricing in regarding Buffett thatâs ever going to happen. Buffett himself said he believed BRK blipping and quickly recovering when he died.
When an investor has invested at peak of bubble, their results are usually very different than others. Itâs unfortunate but unpredictable
The theoretical horror story of investing everything and your gold teeth, if you have any, at the peak is not the problem in my opinion as this is an unrealistic scenario. In 2023-2024 we were all investing regularly at the peak. And keeping at it makes one break water much faster than the index does (in between 1/2 to even 1/3 of the time - which can still be a long time to keep focus, and life may happen too and force your hand).
Itâs the sequence of returns risk that I consider scarier, but that can be mitigated (in theory).
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Yes thatâs why DCA is best because it averages out. And anyways very few start with a big pot to invest
Given the number of people starting investing in the post-covid boom with stimmy checks, I think it could be quite a realistic scenario!
But that post-covid boom is already running for a few years so even if one invested a big lump right after the covid v-recovery theyâd STILL be fine if we had a -50% over the next 12 months (which I very much doubt would happen anyway).
I think when people refer to investing at the top they think plugging 30 years of savings and loans on some hypothetical day before a meteor hits the earth, and the market tanks 3000% in a minute. We know reality not to be like that, the biggest single day fall in the S&P500 was -27% and we now have circuit breakers to stop this from happening.
I am exaggerating as usual, itâs my autism firing, I know what you mean!
Hatte Lust auf eine spannende Diskussion bei Bogleheads. Mal schauen, ob/wie lange der Threat offen bleibt 
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=454795&newpost=8365137&view=unread#unread
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Well âŠ
Chart crime meets chart crime.
Okay, okay, I admit: yours isnât a chart crime.
I still like drawing red lines
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Actually one scenario where this happens is for retirees. They get a big lumpsun and they need to invest
For someone who have never invested in their life, they might still need to do so with retirement fund unless they buy annuities
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Why donât you start writing comics
I have to say there is a lot of creativity here getting lost amidst stock picking and cash flow management
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Also, the best started with stick figures and minimal drawing. xkcd, the Order of the Stick, asdf (ok, not a comic but a big Youtube success),âŠ
Also, xkcd has proven that chart crimes do sell and bring success (or is it SMBC - Saturday Morning Breakfast Cereal? Or both?). While there are many science based strips, I can see room in the space for minimalistic financial charts with red lines ones.
Honored by the suggestions, but Goofyâs comics would end up like this:
By the way, Iâve discussed this â the, ahem, unfortunate art ârestaurationâ ⊠project â with my hairdresser, who is also an actual and trained art curator, and she lectured me quite extensively on the topic: since this (in hindsight) so-called mishap âsituationâ
local tourism has shot up like at least ten fold in the region to visit and see the ⊠thing.
Prior to the ⊠ahem, mishap ⊠the region and place was left for dead, and since itâs hit the Interwebs, visitors are pouring in like ⊠investors traders on TSLA on a pump day or so.
Also, for completeness: love xkcd.
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Bah, treath already got blocked. Bogleheads is no fun time to move from fun treats to artsy Hobbys too? 
If you had a reference to which post you were replying to, it would be a little bit easier to answer.
Youâre directly replying to mine, which is why I am a little uncertain whether you are replying to me, but if you are, can you please explain yourself?
If youâre not replying to me, itâs probably still helpful to understand what you are agitated about, but no urgency.
Apologies if I completely misunderstood.