[lxgr]

It does go down by double-digit percentages from time to time though, which is really inconvenient if you want to, say, buy a house today or tomorrow.

There's a reason people still use USD, EUR etc. and not fractional ETFs to pay and get paid.

[psunavy03]

And when it goes down the answer is to buy the dip. If you have funds needed for other things, they should be in lower-risk investments. As people get older, they should be moving large amounts of equities into bonds to lock in their gains.

There is a reason people still have things like checking and savings accounts and CDs.

[lxgr]

> If you have funds needed for other things, they should be in lower-risk investments.

That’s exactly my point.