Help me feel ok with the tanking NISA

[KCLenny]

I have the emaxis slim all country NISA, been putting 10-15k in every month for about 3 years. It’s been slowly increasing over time, but in the last month I’ve just lost 100,000 yen in value.
I understand the reason (Trump and tariffs causing market chaos etc).

But is this just a case of Shaun of the dead? (Wait for this to all blow over?)
Do I just continue as normal?
Pull back and stop putting as much in?
Or put more in while it’s cheaper to?
This is my first market crash so unsure and no confidence about what to do and really want to make sure I come out better than I went in.

[William]

That would be my first crash, too, but I believe the general sentiment in those cases is, in the long run, which you should be aiming for (assuming you're not retired or nearing retirement), it will be OK.

[beanhead]

If you are 60 you may have reason to worry.
As you are not, keep buying, 'stay the course' as the Bogleheads say.

We all have paper losses at the moment. It doesn't feel great, but don't panic.
If you need that money to pay your bills this month, it shouldn't be invested anyway.

[sugus]

Uncertain times indeed — but no one can truly time the market.

We're all in the same boat, but the impact really depends on how soon you need to cash out.

For example, retirees or those nearing retirement will likely feel the effects more strongly, while long-term investors may be able to ride it out with less stress.

In my view, the worst thing to do right now is panic sell or consider stopping investing altogether.

As for me, I plan to continue investing in NISA and iDeCo as usual — and trust that, in time, the market will recover.

[runmanTX]

It does look bad on paper. This is my first market crash but luckily I've got 9 more years before I retire (knock on wood) so I'll stay the course. No need to panic, just keep on keeping on!

[sutebayashi]

I have the emaxis slim all country NISA, been putting 10-15k in every month for about 3 years. It’s been slowly increasing over time, but in the last month I’ve just lost 100,000 yen in value.

It's definitely ok. I've been at it for more than 10 years, and I see my account is down 3.5 million yen this year, including after adding fresh money, so compared to me you have escaped relatively unharmed.

But is this just a case of Shaun of the dead? (Wait for this to all blow over?)
Do I just continue as normal?
Pull back and stop putting as much in?
Or put more in while it’s cheaper to?
This is my first market crash so unsure and no confidence about what to do and really want to make sure I come out better than I went in.

The wrong option is "Pull back and stop putting as much in?". You will come out better than you went in by buying low and selling high, so if you stop buying lower now that the opportunity presents itself you will regret it when things inevitably take a turn to the positive.

Continuing as normal is just fine, and put in more is an option but may lead to some psychological pain if you buy and then the market tanks further.

Since you are in all country stocks I guess it might be wilder than I think; I have 20% in global bond funds and 65% or so on stocks, and so am thinking this weekend about selling some of my bonds down next week and buying more stocks. This sort of turmoil presenting chances is part of the reason I have bond funds at all.

I am probably listening to the wrong commentary, but I did hear Trump say, with regard to the "sick" economy that he "inherited", that "the surgery is over", suggesting to me that most of the uproar about tariffs may now be done. Trump doesn't want to trash the stock market for good.

Now Vietnam's leader apparently wants to lower their tariffs. This is the sort of news I expect to see coming from most countries, Japan included, in the days and weeks ahead, which should be good for markets in those countries, and good for all if reciprocal tariffs go to 0%.

Probably the baseline 10% tariff on all countries stays, but that is bearable I think. It's less than the consumption tax rates in many countries, so in a sense it's like a US federal consumption tax applied only to imports.

[Deep Blue]

You say you have a nine year time frame till
retirement so absolutely keep investing through this pullback.

It’s difficult to market time and I’d say it’s even more difficult than usual right now given the wide gap between potential outcomes. We could go into a deep recession or depression if Trump stays the course, or we could rebound out if he backtracks. I have no idea which is most likely.

In the first scenario (depression) then is a lot more downside to equity prices but in three and a half years time the US should elect a normal human being who will start to undo the idiocy… and there is plenty of time after that for economy and equities to recover before your retirement.

[RetireJapan]

Down 13.5m so far from our portfolio all-time high, not in the slightest bit worried yet.

Am expecting a 60% drop at some point (40% market crash + strengthening yen leading to 60% drop in portfolio in yen terms). This is nothing, and if you are still putting money in, it's great!

It's like Sunday evening at the supermarket and they've put those discount stickers on everything

[banders]

7+ years till retirement. My Apple stock has dropped ¥7.4m since the beginning of this month and $15.8m since the ATH in December. All Country (80% of my NISA portfolio) -13.4% since the ATH. I guess iDeCo similar. These things happen. I will sell off the Apple stock towards retirement and rebalance with more bonds. The stock market is made up of profit-seeking companies. If there is some earth-shattering permanent correction to all investments then the economy will suffer a huge amount and our problems will be more than just investments. But I could be wrong

[gaijin86]

4 years into retirement, now drawing on my investments, so this crash aint welcome.
Still plan to hang on to my investments (and hope there are enough decent Americans left to overthrow the yellowhaired one and his regime.)