As we can all see, the markets are heading downward due to America’s tariff policies. I’m new to investing and wanted to ask how you handle buying in with larger amounts. Do you have a certain percentage drop at which you invest additional funds besides your regular monthly investments?
Greetings
I‘m personally basically always fully invested, except for the emergency fund (even more than 100% as I use marging/leverage).
Very realistically, if we’re talking bout getting into the market then one may as well do it when they have the money as saving “large amounts” as cash isn’t doing anything for you in terms of growth. The theory says lump sum beats DCA 2/3 of the time, however that’s possibly impractical/prone to emotional mistakes so I’d personally be in favor of DCA even if I followed the theory myself.
Regarding buying dips, the data tell us that it’s mostly psychological benefit (which is important!), but you have to find what works for you in terms of rules (ie make your rules). Pragmatically you need to estimate what amount (not %) you can plug into the market, and whether that’ll make anything meaningful. For example if you have 10,000 cash and put it in in a 10% dip, the recovery would make this “chunk” yield 1,000 which is not bad. For me anything more becomes too much cash sitting doing nothing, and much less than that becomes small change, so not worth it.
Edit: but overall, yes as said below too, having asset ratios between stocks and other assets means you can rebalance - ie sell high to buy low.
Normally you’d decide your asset allocation and just stick to it, then when stocks go down you’d rebalance and buy more stocks.
When everything drops, you buy. When the unrealized loss of your new position starts to worry you, you buy some more. Repeat until desperate. Once desperate, read-up about leverage. 
And on a serious note: I invest savings from my fix salary monthly. I have additional liquidity from bonus and dividends. I invest this additional liquidity, besides stock picking, for every 6% dip from ATH, with every 6% as a multiple of one month worth of the usual investment.
This triggered a cumulative three monthly investments so far YTD, i.e. I invested double my usual amount YTD. If we drop another 6% I’ll buy another extra three months worth of investments. This approach is entirely arbitrarily without a real logic.
Thanks for all the responses! 
Of course, I will continue with my monthly investing. But I’d like to hear some strategies for when the market crashes. The 6% rule sounds good to me and I will think about it.
Discount is on going, but compare to yesterday. Tomorrow you can get even more discount, maybe 
Whenever some of these (mostly bold, multiples of 10) get breached anew, I add some more.
(P.S. The drops are still quite pathetic)
as in “small”? Sorry I didn’t understand.
Or if you have buy orders you forgot about, this is done for you automatically. Bought some HCC today.
These are no drops. What do you guys do if we are 50-70% lower in 18 months?
If this feels likee a drop already, you hold too many shares and should reconsider your asset allocation.
My portfolio is quite defensive so was always positive YTD except today when it dipped below negative 1%.
I bought some speculative stocks today. I like NET the company but could never bring myself to buy a loss making company at those valuations, but I took a small bite today.
A few other stocks are edging close to my buy limit orders.
I honestly don’t believe Trump can sustain these tariffs so they’ll have to be walked back at some point, but I do worry there there will be more permanent damage to sentiment and risk-appetite - after all stocks were already priced to perfection and reliant on bullish sentiment.
as an investor, you don’t want that Trump gives up the Tarifs. Reason being is quite simple - he announced them so boldly, so explicit and clear. If he now walked back, it became fully apparent that the US was out of government. Period. Not effective government but simply government. This unsecurity for the next 3.5 years - that would be a self fulfilling prophecy that will take the US down.
Even though the tariffs are terrible, not only for investors - you want to pray that they somewhat remain because otherwise, we open up pandoras box of having a nuclear superpower without any credible government at all…
Trump trapped himself. I don’t really see a way out of this mess. The only good thing for him personally is that Vance thought the same and was probably even more extreme. Otherwise, I would have thought that the balcony dropping soon started in the US too…
I don’t see it that way. This is Trump, people are used to him. Nobody will bat an eyelid if tomorrow, he says “April fools! Tariffs are cancelled.”
He likely doesn’t see it that way. We know he considers himself a masterful dealmaker, his strategy consistently being to start negotiations by stating outrageous demands, which in some cases may get him concessions from the other side which he would then sell as a big win. This may just be another variation of that playbook. One can of course question the sanity of taking on 180 countries at once, including that lone penguin island…
Following that group chat where its creme de la creme behaved like a gang of adolescents while orchestrating a deadly military operation one may argue we are long there.
The number of times this has happened to date are 2-3 in 120 years though. I mean crashes >=50%. Personally I am 200% confident I’d keep buying. Today felt as Buffett said “a oversexed man in a brothel”.
I mean this is where rubber meets the road isn’t it, the culmination of the cliches like “buy when there’s blood on the streets, even if it is your own”, “time in the market”, “ignoring the noise/staying the course”, setting up safety nets etc etc. If one doesn’t lose income any big drop is a massive opportunity for wealth building.
OK. I couldn’t resist. I bought 2.2% today (shift from bond to stocks).
There is no blood on the streets yet. May be different in a few weeks but to date, no-one is bleedingg and we don‘t have a crash yet. This is NO DIP, this is simply volatility.
It is officially a correction, it’s more than volatility but I get your point.
