# Finpension (2nd/3rd pillar investing)
**URL:** https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864
**Category:** Banks, Insurances & Third Pillar
**Created:** [December 6, 2019, 6:13am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864 "2019-12-06T06:13:51Z")
**Posts on this page:** 20
**Page:** 7
### Author:  [@Wolverine](https://forum.mustachianpost.com/u/Wolverine)
#### Post date: [June 5, 2020, 5:33pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/135 "2020-06-05T17:33:48Z")
My usual way of doing it is to flip a coin and then, if I’m happy with the result, go for it. If I’m second guessing it and willing to throw the coin again, take the alternative. I usually know what I really want but can’t seem to acknowledge it until I cut the second guessing processes. 😉
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 5, 2020, 5:43pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/136 "2020-06-05T17:43:38Z")
You know what? I’m going to prove that lump sum beats DCA eventhough I failed already twice since December 😃
Just sent Beat Bühlmann an E-Mail with the request to invest everything on Monday.
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 5, 2020, 5:52pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/138 "2020-06-05T17:52:47Z")
You know what’s funny? The subject of my E-Mail to him was “Invest everything / FOMO” 😂
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 11, 2020, 5:43am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/139 "2020-06-11T05:43:44Z")
I did it again. Lump sum invested right before the downfall. Already down -2.8% when looking at todays future, lol.
But probability is still on my side. If I keep lump sum investing windfalls I should be better of 70% of the times.
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### Author:  [@dbu](https://forum.mustachianpost.com/u/dbu)
#### Post date: [June 11, 2020, 7:49am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/140 "2020-06-11T07:49:15Z")
> [@Cortana](#):
>
> I did it again. Lump sum invested right before the downfall. Already down -2.8% when looking at todays future, lol.
Cortana - A better market timing tool than Shiller CAPE. 😁
Just keep letting us know when you plan on buying, so we can time it for our purchases. 😆
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 11, 2020, 8:04am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/141 "2020-06-11T08:04:44Z")
Not sure if it will work.
I think I live in a simulation and the markets are messing with me on purpose. If I DCA, SP500 will go to 4000 within a couple of weeks/months. If I lump sum, markets will immediately start to decline. If I wait for a dip, I won’t see the current prices ever again in my lifetime.
It doesn’t matter what I do, I can only lose lol.
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### Author:  [@covfefe](https://forum.mustachianpost.com/u/covfefe)
#### Post date: [June 11, 2020, 10:36am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/142 "2020-06-11T10:36:10Z")
You are out to prove the opposite of _hot hand_ phenomenon. whatever happens, just keep us posted whenever you invest. some where between you, Schiller CAPE, and @glina, we can find the right market timing model!
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### Author:  [@glina](https://forum.mustachianpost.com/u/glina)
#### Post date: [June 11, 2020, 10:50am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/143 "2020-06-11T10:50:23Z")
> [@Cortana](#):
>
> It doesn’t matter what I do, I can only lose lol.
This is why you should do whatever feels the most uncomfortable at the moment. You wont cash any risk premium without taking risks, it is as simple as that.
I’d lump sum and ignore the next 10-20% drop that will inevitably come. And yes, today is an awesome day to buy 🙂
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### Author:  [@covfefe](https://forum.mustachianpost.com/u/covfefe)
#### Post date: [June 11, 2020, 10:57am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/144 "2020-06-11T10:57:53Z")
> [@glina](#):
>
> And yes, today is an awesome day to buy
buy what? 😉 I have cash ready for small (upto 10K) fun fund and open to buy individual stocks/etf-exotica for the first time in life 🙂
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### Author:  [@glina](https://forum.mustachianpost.com/u/glina)
#### Post date: [June 11, 2020, 10:59am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/145 "2020-06-11T10:59:57Z")
UK small cap recovery bet stocks if you have the stomach. But you shouldn’t take my advice, I’m reckless 🙂
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 11, 2020, 3:27pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/146 "2020-06-11T15:27:47Z")
I literally invested my pension fund on the highest day since end of February.
Perfectly executed! Only to see a 5% drop within 3 days 😃
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### Author:  [@covfefe](https://forum.mustachianpost.com/u/covfefe)
#### Post date: [June 11, 2020, 3:45pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/147 "2020-06-11T15:45:18Z")
any particular names or just dash of CUKS type ETF?
US SCV climbing down the ladder too, not sure to take a bite now or wait a couple of hours or till tomorrow. (can’t get my mind off them)
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 11, 2020, 3:46pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/148 "2020-06-11T15:46:18Z")
You know how do you beat the market? Just buy 3x leveraged inverse ETFs like SPXU the day I’m doing a lump sum.
I will always announce it here, so you’ll know when to buy.
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### Author:  [@covfefe](https://forum.mustachianpost.com/u/covfefe)
#### Post date: [June 11, 2020, 3:49pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/149 "2020-06-11T15:49:03Z")
you are in-a-strange-way lucky, I’m serious. I had to wait for \>1 year to see my investments in India go negative. And it is still negative after 3 years. The sooner you see red, the sooner you start to understand your tolerance levels. No point being all green for first 5 years and then lose your shirt, your pants, and your mind.
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### Author:  [@Julianek](https://forum.mustachianpost.com/u/Julianek)
#### Post date: [June 12, 2020, 10:17am UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/150 "2020-06-12T10:17:00Z")
6 posts were split to a new topic: [Individual stock picks log](https://forum.mustachianpost.com/t/individual-stock-picks-log/4026)
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 11, 2020, 5:50pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/151 "2020-06-11T17:50:47Z")
The market is really testing my risk tolerance. Btw I didn’t tell you guys lol. ValuePension invested more than 100% of my assets. Now I have -1% cash and 101% stocks 😃
I asked about that and they told me it would sort itself out with the next rebalancing. But I don’t rebalance, so I’ll keep my 1.01x leverage lol.
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 24, 2020, 3:43pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/154 "2020-06-24T15:43:36Z")
I’m sorry that I forgot to post about it! I bought 1.2k $ of VTI today at 157.82$ right after the opening.
That will probably lead to a circuit breaker today. Right now VTI dropped to 154.00$ 2 hours after I bought it, already down -3%.
Just be happy that I don’t have any lump sums to invest anymore. Otherwise you would see a -25% drop within 2 weeks.
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [June 24, 2020, 3:46pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/155 "2020-06-24T15:46:23Z")
Keep us updated whenever you‘re about to buy.
(However, please plan ahead and allow enough time for me to sell in advance)
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [June 24, 2020, 3:51pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/156 "2020-06-24T15:51:51Z")
I’ll do it next time 24 hours before I buy.
If you are smart, you’ll sell everything and go allin on SPXU or other 3x leveraged inverse ETFs 😃
Who the hell needs moving averages or CAPE? All you need is me!
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### Author:  [@covfefe](https://forum.mustachianpost.com/u/covfefe)
#### Post date: [June 24, 2020, 4:08pm UTC](https://forum.mustachianpost.com/t/finpension-2nd-3rd-pillar-investing/2864/157 "2020-06-24T16:08:43Z")
@Cortana I was just looking at SLYV and itching to buy some. And I come here to see if you posted something. Not disappointed.
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