# What's your strategy for 2022?
**URL:** https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575
**Category:** Investing / Portfolios
**Created:** [December 28, 2021, 10:09am UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575 "2021-12-28T10:09:38Z")
**Posts on this page:** 20
**Page:** 7
### Author:  [@larix.aurea](https://forum.mustachianpost.com/u/larix.aurea)
#### Post date: [January 15, 2022, 6:06pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/128 "2022-01-15T18:06:25Z")
No, I would still invest according to my strategy:
> [@larix.aurea](#):
>
> In 2022 I’ll stick to my strategy. This implies 3 things:
>
> a) Maintain my 100% ETF portfolio in balance, i.e. **80% World** (mostly VWRD + some VDEM) and **20% Switzerland** (mostly CHSPI + some CSSMIM). 4 ETF’s, that’s it.
>
> b) Invest any cash surplus at the beginning of each month, provided my tactical cash reserve is at the desired level. Tactical cash reserve will be deployed if market drops below defined levels (“investment staircase”)
>
> c) Don’t sell
---
### Author:  [@Tia\_0](https://forum.mustachianpost.com/u/Tia_0)
#### Post date: [January 15, 2022, 11:41pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/130 "2022-01-15T23:41:21Z")
Additional study describing how the “buy-the dip” strategy is sub-optimal:
[Ben Felix - Buy the dip](https://www.pwlcapital.com/wp-content/uploads/2021/04/PWL-Felix-Warwick-Buy-The-Dip_A.pdf)
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### Author:  [@MrLowBudget](https://forum.mustachianpost.com/u/MrLowBudget)
#### Post date: [January 17, 2022, 10:35am UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/131 "2022-01-17T10:35:16Z")
For 2022 I am hesitating to change from VTI to VT. I don’t like having all just in the USA at the moment. As the 60% of VT is USA I think I will stick to VT. One ETF’s and that’s it.
Then I will use around 2.5% to buy BTC.
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### Author:  [@Balaclava](https://forum.mustachianpost.com/u/Balaclava)
#### Post date: [January 17, 2022, 5:48pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/132 "2022-01-17T17:48:56Z")
Why not adding/moving some of it to VEA and VEM?
This is what i do which results in a even lower TER comapred to VT only.
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### Author:  [@larix.aurea](https://forum.mustachianpost.com/u/larix.aurea)
#### Post date: [January 18, 2022, 7:16am UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/133 "2022-01-18T07:16:40Z")
> [@logitacher](#):
>
> What if the market keeps going down over a long period of time and all your 125k gets invested. How long do you need to fill up those 125k again?
That’s a fair point. It would take probably three years. While I still don’t feel comfortable to throw 125k at the market right now, I will have to think again about the recovery phase. Your approach would probably be not to build up any new cash reserve but just remain 100% invested, right?
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### Author:  [@MrLowBudget](https://forum.mustachianpost.com/u/MrLowBudget)
#### Post date: [January 19, 2022, 9:36am UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/135 "2022-01-19T09:36:38Z")
To be honest with you, I didn’t know these two ETF’s. They seem a good option.
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### Author:  [@dbu](https://forum.mustachianpost.com/u/dbu)
#### Post date: [January 19, 2022, 12:05pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/136 "2022-01-19T12:05:54Z")
> [@Balaclava](#):
>
> Why not adding/moving some of it to VEA and _VEM_?
You mean VWO?
(Or AVEM by Avantis, not Vanguard)
@MrLowBudget What was your decision to focus solely on the US (via VTI) versus global (via VT) based on in the first place?
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### Author:  [@MrLowBudget](https://forum.mustachianpost.com/u/MrLowBudget)
#### Post date: [January 19, 2022, 1:05pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/137 "2022-01-19T13:05:03Z")
That I was quite young so I could tolerate the risk of having all in the USA market and the gains were higher than with VT, now I don’t like the idea to have everything in the USA market for the next 10 years. So I was thinking to change to VT, but it’s also true that I could buy directly to the VWO and VEA to have low TER compared to VT. So I will have something like 60% of VTI and 40% on the other two.
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### Author:  [@anon21880037](https://forum.mustachianpost.com/u/anon21880037)
#### Post date: [January 19, 2022, 9:21pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/138 "2022-01-19T21:21:15Z")
NASDAQ is in correction!
-10% from peak. Let’s see if we go down to -20%. Not bad as entry point
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### Author:  [@dbu](https://forum.mustachianpost.com/u/dbu)
#### Post date: [January 19, 2022, 9:28pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/139 "2022-01-19T21:28:06Z")
Yes, whoever’s been lazy since last summer-ish, this is the 2nd chance. 😁
(Although I’d love to see another -10% to unload. 😛)
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### Author:  [@Balaclava](https://forum.mustachianpost.com/u/Balaclava)
#### Post date: [January 19, 2022, 9:50pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/140 "2022-01-19T21:50:23Z")
> [@dbu](#):
>
> You mean VWO?
Yes sorry I meant VWO.
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### Author:  [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)
#### Post date: [January 20, 2022, 1:35pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/141 "2022-01-20T13:35:14Z")
> [@MrLowBudget](#):
>
> directly to the VWO and VEA
Or all world ex US: VXUS or IXUS.
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### Author:  [@Mustachioed](https://forum.mustachianpost.com/u/Mustachioed)
#### Post date: [January 21, 2022, 11:08am UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/142 "2022-01-21T11:08:45Z")
> [@MrLowBudget](#):
>
> For 2022 I am hesitating to change from VTI to VT. I don’t like having all just in the USA at the moment.
@Cortana: similar to me, I believe you also fully-invest in VTI, correct? Curious to hear what your rationale is for doing so, and if you ever contemplate switching e.g. to VT.
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [January 21, 2022, 12:21pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/143 "2022-01-21T12:21:23Z")
Because of my overall asset allocation: 35k IBKR, 30k Viac and 25k ValuePension. So 90k in total.
IBKR: VTI only
Viac: 47% SMI/SPI, 33% World ex CH, 20% EM, 3% cash
ValuePension: 80% World ex CH, 19% EM, 1% cash
This adds up to roughly 62% US, 15% CH, 12% EM and 11% Europe/Pacific/Canada.
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [January 21, 2022, 1:44pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/144 "2022-01-21T13:44:29Z")
> [@Cortana](#):
>
> 11% Europe/Pacific/Canada.
You don’t find this to be too low?
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### Author:  [@wavemotion](https://forum.mustachianpost.com/u/wavemotion)
#### Post date: [January 21, 2022, 5:52pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/145 "2022-01-21T17:52:40Z")
If this trend is confirmed, any strategy will be fine
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### Author:  [@Wolverine](https://forum.mustachianpost.com/u/Wolverine)
#### Post date: [January 21, 2022, 8:17pm UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/146 "2022-01-21T20:17:08Z")
> [@Wolverine](#):
>
> Things look pretty orderly right now
Well, it seems to be getting less orderly, though soaring is of course still a possibility. I’m inclined to believe a bit less in it than I previously did. (Not actionable, I just wanted to amend my previous statement with the benefit of 8 additional days of hindsight.)
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [January 22, 2022, 9:58am UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/147 "2022-01-22T09:58:18Z")
I don’t believe in socialism and I think it will be the downfall of all those countries. It’s an active bet, I know.
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### Author:  [@Giff](https://forum.mustachianpost.com/u/Giff)
#### Post date: [January 22, 2022, 10:38am UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/148 "2022-01-22T10:38:37Z")
What socialist countries are you talking about?
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [January 22, 2022, 10:43am UTC](https://forum.mustachianpost.com/t/whats-your-strategy-for-2022/7575/149 "2022-01-22T10:43:49Z")
EU countries especially.
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