The current market is a dip. And only that. Don’t let it affect you or your goals, especially if you’re young. Market ups and downs are very natural. Zoom out and you won’t notice it.

“Be greedy when others are fearful” Market corrections can be a bit nerve wracking. But if your outlook is long term, there is opportunity here.

I made money a a speculative crypto this month. It was a punt which didn’t require money from me. Some made more as the price dipped before I could sell. It was a gamble. I didn’t focus on the price. If you want to speculate, know it is a gamble. Don’t bet the house.

ABB Always Be Buying.

Your ISA allowance of £20,000 runs to April 6th. If you haven’t used it by then, it’s gone for good. It’s the one of most generous Tax efficient wrappers globally. Doesn’t matter if you can use £20,000 or £20. Use it.

If you’re at the early stages of your investing journey right now… This is normal. Markets go up and down. Today will be a bit poo. Unless I had less than 5 years runway I’m a buyer in this market. Crashes are opportunity.

Current strategy:

The market will not go to zero. You know that. If it did you’d have far bigger problems in your life. So don’t panic today. It will be back. The millionaires of 2028 are buying today. Don’t be sat around in 3 years thinking “If only I just….”

For newer investors, a few key lessons are coming from this crash: 1. Don’t keep emergency funds in stocks. If you lost your job, your savings have taken a 15% hit. 2. When retirement is close, don’t be all equities and have cash on hand. 3. Bear markets make millionaires.

In September 2022 the market dipped to 3,585 points. Albeit over a longer time period, this was 1,200 points of the peak in December. Don’t remember as much hysteria back then. Yes it’s been sharp. But recent history shows you these are temporary setbacks.

Markets aren’t the only thing that’s Red

So, who else missed the bottom ✋🏾 This is why you don’t try to time the market. If you were a seller here, you’ve just missed big gains. I bought the first dip because it aligned with my normal timing. I’ll buy again this month. Don’t try and be Warren. Stay long term.

Stay the course. Up. Down. Just keep buying.

I check my portfolio daily. Because, like an idiot, in my youth I invested in small, higher risk plays that are very volatile. I want to cycle out. If you’re invested sensibly, in a diversified index there is no point checking more than every 6 months. Ride the wave

Trump puts everyone’s favourite stock on sale: MaRkEt MaNiPuLaTiOn! China puts everyone’s favourite brand on sale:

Champions league Semis aren’t for everyone

I have a spending addiction… And I won’t stop.

“Buy my course” Just kidding. Buy and Hold long term.

Are you getting it yet? If in doubt…. Zoom out.

Bob - Values home £20k above market: “they redecorated (painted) last year” - “Spends about £5k/m”(it’s 8k) - Thinks their meme coin will blow Dan - Uses average sale price despite the extension - Spends exactly £5,650/m - Uses a 7% expected return Who’s gonna get lucky?