股市大跌 401k IRA怎样操作 | 401k IRA 长期投资 策略 | 股市跌 投资方案 | 401k投资 IRA账户 投资 |

最近的股市真的是跌宕起伏，所以就有一些朋友问我说，他们在401k和IRA账户里面的钱，要不要先转成现金避一避风险。然后等股市稍平定下来之后再投回去？要不然这每天的心情就好像坐过山车一样，让人无比煎熬。虽然这些跌幅和震荡在股市历史中其实都不算大，但我们还是可以想象，眼睁睁的看着自己努力工作赚来的钱就这样在股市中蒸发掉，那真的确实是一件让人压力山大的事情。

今天我就跟大家分享一下，面对股市大跌的时候，几种我会对自己401k和IRA账户所做的事情，和几种不会对这些账户所做的事情。这些都只是用我个人的想法与看法来跟大家分享。而我们每一个人都有着不一样的财务情况和风险承受能力，所以，我们每个人对市场动荡所做出的反应当然也会不同。…(read more)

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Stock Market Plunges: What to Do with IRA and 401k Investments? Sharing a Few Do’s and Don’ts

The recent volatility in the stock market has left many investors worried about the fate of their retirement savings, particularly those held in individual retirement accounts (IRAs) and 401k plans. As the markets experience wild swings, it’s essential to keep a level head and have a well-thought-out strategy in place to weather these uncertain times. Here, we share a few things you should and shouldn’t do when it comes to your IRA and 401k investments:

Do: Stay Calm and Stay Invested
The first and most crucial piece of advice during market downturns is to remain calm. Panic selling often results in locking in losses and missing out on potential recovery. History has shown that staying invested through market fluctuations can lead to long-term gains. Markets have typically rebounded from downturns, rewarding patient investors who stay the course.

Don’t: Make Impulsive Decisions
One of the most common mistakes people make during times of stock market turmoil is making impulsive investment decisions. It’s important to resist the temptation to make sudden changes to your investment strategy based on short-term market movements. Instead, focus on your long-term goals and stick to your original plan.

Do: Rebalance Your Portfolio
Market drops can create imbalances in your investment portfolio. A good strategy is to rebalance your holdings periodically to maintain a diversified portfolio aligned with your risk tolerance. Rebalancing allows you to sell overperforming assets and buy underperforming ones, effectively buying low and selling high.

Don’t: Check Your Account Balance Too Often
Constantly checking your IRA or 401k account balance during a market downturn can lead to unnecessary stress and potentially irrational decision-making. Remember that retirement savings are for the long run, and day-to-day market fluctuations should not impact your long-term investment strategy. Checking your account too frequently may cause you to react hastily to temporary market fluctuations.

Do: Seek Professional Advice if Needed
If you are uncertain about how to handle your investment strategy during a market downturn, seek professional advice. Financial advisors can provide valuable insights and help you navigate through challenging times. They can help you assess your risk tolerance, review your long-term goals, and ensure your investment strategy aligns with your objectives.

Don’t: Time the Market
Attempting to time the market, i.e., predicting when to buy or sell based on short-term market trends, rarely pays off. Consistently accurately timing the market is incredibly challenging, even for seasoned professionals. Instead, focus on your long-term investment plan and asset allocation that suits your risk tolerance and objectives.

In conclusion, market downturns can be unsettling, but they are an inherent part of investing. It is essential to stay calm and avoid making impulsive decisions. Focus on your long-term investment plan, rebalance your portfolio as needed, and consult with professionals if you feel unsure about your strategy. Remember that investing for retirement is a marathon, not a sprint, and staying the course is often the wisest approach.