To The Moon

With the markets getting beaten down by a whole group of bears and with potential flock ofblack swans coming, what can we do?

Keep calm, keep sane, stay logical

The last thing you want to do is irrationally sell everything that you have worked hard for andchange it all into cash. Not especially during times when inflation is a hot 5% in SG and 8% or more in other places.

What you want to do, is keep calm. Stay awayfrom things that overly excite you and keep sane by having a deep understand of your current position. For example, a 6-12 months of expenses kept aside is useful for psychological safety should Uncle Sam decide to trigger whole wide recession and massive unemployment.

Finally, a logical mind is crucial in thinking outyour next steps. What are your risks now? What can you afford to risk? Where do you see opportunity? What is the best outcome? Where will you "die" so you can avoid going there?

Invest rationally

For me, I am avoiding companies that are clearly out of my circle of competency. If I do invest in higher risk companies with poorer fundamentals, I must be willing to take the hit. Otherwise, the priority will be to focus on good quality companies that have wide moats that are now fundamentally undervalued because of the environment. I think $Alphabet(GOOGL)$falls into this category. (DYODD ya)

Aside, DCA into indexes can be useful and I am focused on buying on the dip for $SPDR S&P 500 ETF Trust(SPY)$and $Invesco NASDAQ 100 ETF(QQQM)$as I belief that they will not go to zero unlike stocks. Their upside is slower but their risks are more well tolerated.

Finally, the bottom tier of investments goes toSSB with 3%+ coming up, and liquid cash in the banks. These are for sudden events and rainy days that come ahead.

Enjoy the ride and learn

Finally, I will learn to enjoy this exciting experience and learn more, not just from others, butalso about myself. Who I really am. 

Tough times don't last, tough people do.

What about you? What will you do?

Meanwhile, here's an inspirational photo of a fireman completing the London marathon, in 19hours. Life is a marathon, not a sprint. 

[Cool] 

@TigerStars@CaptainTiger@MillionaireTiger