Bought CHF 100k of vt. It costed less than chf 10 with tiered.
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that is a bit hurting right now, I guess
Why? He still has many shares of VT, a solid ETF
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Sure, just thinking about 15% loss of 100k purchased when it was almost ath
Yes and no. It was a transfer from VWRL to VT.
And my investment time horizon is more than 20y⊠I donât care about few months, even 2-3 years.
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It makes sense.
Iâm just trying to figure out a way to deal with these âtemporaryâ losses and a possible 10y recession (not being 30 years old anymore)
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If youâve been invested for some time, perspective may help. VT vs a short term treasuries fund (âcashlikeâ investment) total returns in USD from 2009 (VTâs inception) to now:
Backtest Portfolio link
Inflation adjusted CAGR of 7.85% (in USD, still, ainât got CHF data unfortunately). It can give up some more gains and still have been a good investment.
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These are not the worst 10 years in the history of the stock market and it was just after a big dump, but ok
Fair enough, hereâs a 60/40 US/Ex-US stock portfolio vs Cash, starting in 2007:
Backtest Portfolio link
4.3% inflation adjusted CAGR, without additional contributions and thatâs right before the Great Recession.
Sure, those were good years, but theyâre the years right before what we are living now. If you were invested during those, youâve reaped the benefits before suffering the consequences of today (of course, things are worse if you just started investing but even then, weâre up bigly from where we were 3 years ago).
Edit: Iâm not saying this should make you feel better, each of our situations is different, but Iâm putting it there in case it could.
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Graph with DCA of 1k every month, starting from 2017 and no rebalancing or inflation adjusted values.
Whatâs the red line?
SHY from the first link of Wolverine. If I set CASH, it wonât change much.
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