<<First Name>> - Welcome back to January 2020!

Or, I mean, September 2020...

Welcome back to 2020!

A few days ago, the market had reached new heights. It had never been so high before. Ever. And even with the recent dip that got the talking heads losing their minds, we are still in the present year.

It will be interesting to see when we head next.

So, how did you take advantage of your trip back to 2017?


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---------- Original message ---------
From: Arjun Sodhani <>
Date: Wed, Mar 25, 2020, 16:43
Subject: Wish you had a time machine?

Hi <<First Name>>,

Hope you're doing well in this crazy time. People are anxious, not sure when things are going to go back to normal, and Whole Foods has a bouncer.

I wanted to drop you a line to encourage you to take a look at your portfolio at this time. While it may be scary to see the enormous numerical drop in your 401(k)s, IRAs, and investment accounts, a downturn like this is a perfect time to make adjustments to your holdings. Especially in after-tax accounts.

The first thing most people will think of is that it's a good time to rebalance. If you haven't done so in a while, they're right.

But there's another thing to consider.

In January, I wrote an article breaking down an absurdly expensive S&P 500 ETF I came across. I wondered why so much money was invested in it. (I still do)

When I wrote it, the market was at yet another all-time high. 

Today, the market is where it was in February 2017.

You know how people say, "You know, if only I knew what I now know back then. I wish I could travel back in time and make a different decision!"

Well, wish granted. In general, we've traveled back to February 2017.

If you made an investment in 2017 that you would not have made today because you learned something new, you may have a chance for a do-over. If it's in the red, even better - there's a potential for tax benefits for the correction.

Look at your holdings with a fresh set of eyes, as if you were just starting to invest today for the first time. Don't worry about the "losses." 

January 2020 will come again.


PS: I'm not an investment or tax professional or anyone you should take investment advice from. Consult a professional and/or someone who has a full picture of your finances before making any serious financial decisions.

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