Down from it’s peak:
Europe: -30%
China: -26%
Australia: -26%
Switzerland: -23%
Japan: -23%
Canada: -20%
USA (including todays future): -23%
Can we all agree that the bull market from 2009 is over?
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I had sold my ISF earlier this week with a 10% loss or so (after holding it just for 2-3 days DOH!) … and just bought it back roughly 5% lower than what I sold it for.
Still holding mostly cash and gold.
In my case, my current allocation plan is:
40% VTI, 40% VXUS, 20% CHF
Maybe if we crash down to some ridiculous levels, I will unlock more CHF. Otherwise I just intend to keep 20% in cash and keep buying. But for now, I’ll wait a few weeks. I anyway need to earn some money first…
I just though, this happens at the time where I have around 30-40% of my target FIRE value invested in stocks. I guess better now than when I’m at 99% of my goal (poor @MrRIP) . So I would say, I have mixed feelings of regret, fear and… hope?
Come on, it’s just a correction 
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of course it stinks! If don’t push myself to feel I am able to outsmart the market I get scared, will sell my stuff and stop investing 
I am going to keep on investing and tell my self I did it in the best possible way and much smarter than everyone else.
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Uh, isn’t that why we embrace indexing? We know three facts:
- stock market yields the highest average long term returns of any asset class
- you probably can’t outsmart the market in the long term
- Indexing guarantees the average market return without the need to outsmart anybody
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The only encouraging thing is that I only lost 4 months of saving till now. So I will forget about the whole investing at the top in a year.
Sure, I do indexing as well, but see how this thread exploded and everyone started wishing each other luck and strength. Why don’t you just abstain from this forum, stop following the stock market and just place your monthly investement? Maybe you do that, can’t judge it. But it is because we are humans, in times of stress we react irrational, forgetting all our plans. Therefore, I just keep push my ego thinking I know it better, knowing that I do bad decisions.
Plus I bought some VWRD.
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Many people in this thread very emotional. In bull market everybody is an expert and knows what to do.
As soon you get punched in mouth (like now) people start to freak out. What happened to your longterm plan guys?
What would your future self in 10 years wish you had done today?
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I actually have quite a bit of CHF sitting on the bank account waiting for some big tax bills I am expecting to receive (been waiting for a while already). I am talking about several tens of thousands. Does anyone know how long they give you to pay back such large bills without starting to charge high interests? I am in Zurich and I never had to pay a final tax bill so far.
I think it’s like 1 month from the time you receive the bill. Note that you’re likely already paying (a small amount of) interest on the money you owe, even if you didn’t receive the bill yet.
Phone is very calm right now at my place. No selling orders since Monday. Even got a big buying order 10 minutes ago.
Maybe this is the turnaround? Should we go all in? 
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Thanks. It’s painful to keep so much money aside not knowing when you’ll need to cough them up, especially with these discounts on the stock market…
This thread looks more and more like bitcointalk a few years ago .
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funny because it is true
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Pretty much only if they are with an already preexisting condition / weaker health:
https://informationisbeautiful.net/visualizations/covid-19-coronavirus-infographic-datapack/
See chart 4.
@Giff - true, but still it’s a bit too much of a blanket statement to say that all people are worried about their lives.
One thing is clear to me - it is much harder to contain the panic spreading than the actual disease/pandemic spreading among the people.
A friend just shared pics with me that in London too they emptied the shelves, people buying 500GBP worth of groceries in one shop, then go to another to do the same; and loading up on 18 packs of toilet paper (must be something of a Commonwealth thing LOL).
It’s not just irrational, it’s also selfish.
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Which is true for most grandparents, unless you are a toddler, that is.
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I’m in a similar position. I already filed my tax declaration (canton Zurich) for 2017, 2018, 2019, and never heard from them. I asked at the city office and they told me that they’re still doing the 2017 declarations, so no worry. But I am on Quellensteuer, so the bulk of my tax is being monthly paid by my employer. How is it in your case?
I thought once you receive the C permit, they will send you a “tax prediction” with a payment slip (even before your tax declaration) and then you can pay it in advance. It will yield something like 0.5% interest until they have established the final amount. So you can treat it as as a kind of time deposit. Can anyone confirm this?
Yes, they send you bills in February, based on your last tax declaration. Because my pay has been increasing massively during the last years, these bills are always too small. For 2018 I did pay a bit more than they asked, but only when the year was over I ran the proper numbers and found that I owe them some 40K for that year alone! 2019 I should have paid more or less right. So now I have lots of cash which I could use to buy cheap EUR and then stocks, but not knowing when the bill will come I can’t do it.
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If you know you haven’t paid enough for 2018, you can pay the missing amount now. You don’t have to wait for the final bill. You can generate payment slips for any tax year that is still open on https://eservices.vrsg.ch/public/web/zh/portal/
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