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When the Dow is as low as it is...

February 24th, 2009 at 12:01 pm

Sometimes I question myself for slowly repurchasing back into the market with our 401K (I had moved it into a secured fund and put 10% additional 2x a month back into the market since our retirement is about 20 years off).

So in October, I had $16,659 in the market and have also continued to purchase shares.

Right now the 401K is $15,257 with 20% of that in safe secure funds. So to make me feel better I calculated what the 401K would be worth had I never pulled the money and slowly put it back, had I just left it there before the market tanked.

It would be worth $11,830 - a difference of $3426.

I need to keep focusing on the long-term goal. I didn't put all the money back in all at once. I started putting it back into the Lifecycle 2040 fund back when the Dow had hit 9500, then kept buying since.

Either way, I'm still $3426 better off than had I done nothing. Just have to keep remembering that.

1 Responses to “When the Dow is as low as it is...”

  1. disneysteve Says:

    Hindsight is 20/20. Of course, looking back now is easy. But who knew 6 months or a year ago that the Dow would be at a 12-year low? We have to invest based on long-term averages.

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