People who try to time the market almost always end up losing and giving money back to Wall Street. I've seen it time and time again.

Worse yet are the panickers who sell at the bottom and stay in cash. Emotional investing is bad investing; cooler heads prevail.
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Bingo!
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Can someone explain to me who and what estimated taxes should be paid through the year from selling stock? I have done lots of reading and it’s comfusing who must pay through year and who can just wait to pay these when they file their taxes for the year?
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What do you mean by this? Are you saying that if I move into bonds too early I would forfeit gains that I would have made had I stayed in aggressive funds? Or is different cost in moving to bonds?
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Here is some decent explanation of underpayment rules. Underpaid is different than owing. Underpaying means the IRS is going to fine you. Owing just means you have a liability but no penalties.

Basically it says that if you owe a grand or less you're good (total tax - withholding). Or you've paid the lesser of 90% of total tax due OR 100% of PY tax liability.

And that is assessed capital gains. Gains in a retirement fund are not taxed. So you're just looking at whatever you've sold outside of retirement.

I'd say if you are withholding enough for you and your wife, and unless you have a SHITLOAD of gain, you're probably good.
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I don't want to speak for him, but I'd imagine that's what they're saying. If you'd have pulled out of your money when Trump got elected (as a lot of people talked about), especially after that overnight move on the futures, you'd have missed more than it will likely set back.

All speculation of course, that's why they call it speculating, not hedging, but yeah. There shouldn't be any other cost.
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That's my take. The mental side of debt has always been the toughest part for me. Once I got a handle on it, and eliminated it, I could breathe. For some reason, that's just how I'm wired.
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Exactly right. Timing the market results in forfeiting gains much more so than actually timing the market correctly.

Buehler’s response is a perfect example. Those scared of Trump who moved money, lost 20%+ gains easily.


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It's weeks like this where I really wish I could time the market. I've had a lot of money evaporate over the past few days.
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At the rate it's going, I'm going to own a penny stock! :-)
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I put stop losses on my whole porfolio and half of them have hit.
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I guess I'm kind of lucky because my cash position has been high (15+ percent cash), just because I wasn't finding stuff I wanted to buy. I've been buying a little each day, so hopefully it'll come back quickly.
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I started typing a post that we'd given up almost the entire years gains. We were down to .40% YTD. Got distracted for 15 minutes or so and looked again and it's dropped off a ton more; were now - .38 for the year

edit: that was crazy. I wonder if some banks algo went haywire. At 3 PM EST the market fell off a cliff then corrected back just minutes later.


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Quick question. If a person was to break open his fifth floor window and jump, would it kill him or just maim him?
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Maybe you'll get it right someday, best of luck. I'm only in mutual funds, American and Putnam, so if I want to move from aggressive equity funds to bond funds there is no fee. I was thinking there would be a correction, took five weeks into the year. There will be a rebound coming up, but I'm still expecting a bear or at least flat equity market through this year. Bond funds are yahhhhh.
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