5 actions you can take during a bear market

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Our columnist offers 5 actions you can take during this bear market: 1. Tax-loss harvesting 2. Rebalancing your portfolio 3. Converting your IRA 4. Front-loading IRA and 401(k) accounts 5. Putting cash to work

Right about now, investors and advisers are kicking themselves for not having sold about two weeks ago. Some are still considering selling. Investors who say the thought hasn’t crossed their mind are probably lying to themselves.

It’s easy to say to ourselves, “I KNEW I SHOULD HAVE SOLD!” because hindsight is always 20/20. But the truth is, we didn’t know because we can’t know. That’s truly the toughest part of my job. I live, eat and breathe this stuff and I am continually surprised. Remember when we were surprised that 2019 returned 30%? A distant memory, I know. It was still surprising.We’ve been saying for quite some time now that it would be something totally unexpected that would take the market down.

We used to think the market SPX, +3.35% moving 500 points in a day was significant — now it’s moving in 1,000 to 3,000 point chunks. Hard to believe.It’s OK to be fearful. It would be unnatural if you weren’t at least a little afraid of what’s to come. So, I thought in lieu of offering the same old song and dance of stay the course that it might be helpful to explore what can you do in times like this.

 

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Rich people problems. Not all of us have this privilege of putting cash to work. Helloooo? Bueler, bueler, bueler...

Propertytaxes coming up due and this is going to hurt lots and lots of homeowners that don't have a job now. That's if they don't have excess to emergency funds. April10th furloughs laidoff

LOL tax loss harvesting.

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