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Context – April 2025
- Don’t Sell, crystallising paper losses into real ones. The market will recover.
- Buy the Dip. If your bought a business last year at $1 and felt it was a good price, if the fundamentals of that business remain solid then buying more now at $0.80 is a bargain.
- There is no certainty about the market, other than at some time in the future the market will return to it’s February 2025 high and then keep going. Selling now hoping to buy back in lower could bring spectacular rewards, but where is that re-purchase point? Being greedy for bargains could result in hanging on too long. The general wisdom is to not sell, but invest periodically with extra funds when the market is depressed to increase the value of future gains.
Superannuation Fund Contributions.
- Consider taking control of your super fund. Unless you have a professioanl manager on board looking after your hand-crafted portfolio, the big funds will likely just keep buying shares when your monthly contribution arrives. While right now they are buying at a modest discount, tou may or may not want them to do that, preferring to accumulate cash until things settle. So you may care to step in.
- Similarly, if you are making salary sacrifice contributions, you migh want to hold them off and make the deposit to your super fund at a time of your choice.