Coaching practices for Keep Investing in Downturn

Describe almost anything you are working through and IX Coach finds the practices whose real-world fit is closest. For Keep Investing in Downturn, these are the strongest matches in the current practice library.

Does this sound like the set of challenges you might be facing?

• The market’s sliding and every instinct is screaming to pause my contributions until it settles down
• I keep doubling down to justify the last round
• My portfolio is bleeding red and the urge to just sell it all and stop the pain is almost unbearable
• I’ve got money ready to invest but I keep waiting for the "right moment"
• I check my portfolio ten times a day and every dip in the red sends my stomach into knots

Practices that may help

1. Never pause DCA during downturns — they are when it works best
   Buying more shares at lower prices is the mathematical mechanism behind DCA — pausing during dips captures only the losses.
   Dollar-Cost Averaging, Made Practical
2. Actively watch for escalation of commitment
   Each new investment in a losing course makes the next exit harder — catch escalation early.
   The Sunk Cost Fallacy: Escaping Bad Investments
3. Use the DCA system to override market fear
   A pre-committed investment system is the primary tool for defeating loss aversion at market bottoms.
   Dollar-Cost Averaging, Made Practical
4. Dollar-cost average by investing the same amount every period regardless of market conditions
   Buy more shares when prices are low and fewer when high — automatically, without timing decisions.
   Automatic Investing, Made Practical
5. Leave it alone: resist the urge to check and trade frequently
   Check your portfolio quarterly at most; intervene only for planned rebalancing.
   Automatic Investing, Made Practical
6. Build your emergency fund before investing
   Keep 3–6 months of expenses in cash before directing money to the market.
   Automatic Investing, Made Practical
7. Increase contributions on a fixed schedule, not when it feels affordable
   Build in automatic contribution increases so lifestyle inflation does not silently consume your investment capacity.
   Dollar-Cost Averaging, Made Practical
8. Make the lump-sum vs DCA decision with honest math
   When you have a windfall, invest it in full unless the evidence for waiting is behavioral, not mathematical.
   Dollar-Cost Averaging, Made Practical
9. Use a flexible withdrawal strategy instead of rigid 4%
   Adjust your withdrawal amount by portfolio performance each year to dramatically improve long-run sustainability.
   The 4 Percent Rule, Made Practical
10. Rebalance on a schedule, not on emotion
    Return to your target allocation at a set interval or threshold — not because the market moved you.
    Automatic Investing, Made Practical

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