# Tempted to cash out

**URL:** <https://community.investengine.com/t/tempted-to-cash-out/878>\
**Category:** General\
**Created:** [17 March 2023 12:08 UTC](https://community.investengine.com/t/tempted-to-cash-out/878 "2023-03-17T12:08:38Z")\
**Posts on this page:** 5\
**Page:** 2

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**Author:** ![shrimper](https://avatars.discourse-cdn.com/v4/letter/s/8dc957/32.png) [@shrimper](https://community.investengine.com/u/shrimper)\
**Post date:** [27 March 2023 19:15 UTC](https://community.investengine.com/t/tempted-to-cash-out/878/22 "2023-03-27T19:15:02Z")

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Is that including or excluding dividends?

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**Author:** ![AS111](https://avatars.discourse-cdn.com/v4/letter/a/ec9cab/32.png) [@AS111](https://community.investengine.com/u/AS111)\
**Post date:** [27 March 2023 20:52 UTC](https://community.investengine.com/t/tempted-to-cash-out/878/23 "2023-03-27T20:52:18Z")

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Includes dividends! Scary stuff.

> **[How to Invest During a Lost Decade](https://youstaywealthy.com/podcasts/lost-decade-stock-market/)**
>
> Recent headlines suggest stocks could be flat (or negative!) for the next 10 years. The technical for this is “lost decade.” And these headlines have created more concern for investors who are already on edge....Continue Reading

“-9% total return for 10 years assumed that dividends were being reinvested. If you were spending those dividends instead, and not reinvesting them, your return for those 10 years was a negative 24%”

I suppose this adds weight to those who say to dollar cost average in to the market rather than lump sum. I would definitely advise against lump sum in to s&p 500 in this current environment. DCA in over 10+ years and you should be okay.

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**Author:** ![Omian](https://avatars.discourse-cdn.com/v4/letter/o/71e660/32.png) [@Omian](https://community.investengine.com/u/Omian)\
**Post date:** [29 March 2023 20:38 UTC](https://community.investengine.com/t/tempted-to-cash-out/878/24 "2023-03-29T20:38:57Z")

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CUKX or something similar.

 ![image](https://europe1.discourse-cdn.com/flex017/uploads/investengine/original/1X/7cb8825d15066a93f74dabd6c51495c843562aab.jpeg)

Often inferred UK / FTSE 100 are undervalued.  
DYOR obvs.

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**Author:** ![AS111](https://avatars.discourse-cdn.com/v4/letter/a/ec9cab/32.png) [@AS111](https://community.investengine.com/u/AS111)\
**Post date:** [30 March 2023 17:35 UTC](https://community.investengine.com/t/tempted-to-cash-out/878/25 "2023-03-30T17:35:44Z")

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Yes, from what I’ve read online the UK market in undervalued. FTSE 100/ FTSE 250 could be strong performers going foward. Good idea to diversify rather than holding only US Large Caps for the next few years.

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**Author:** ![Luisricardo13](https://avatars.discourse-cdn.com/v4/letter/l/c77e96/32.png) [@Luisricardo13](https://community.investengine.com/u/Luisricardo13)\
**Post date:** [1 April 2023 09:07 UTC](https://community.investengine.com/t/tempted-to-cash-out/878/26 "2023-04-01T09:07:49Z")

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I had a managed portfolio and a DYI portfolio when I started out at invest engine. After a few months I realised my DYI was doing better than the manage one so I closed the managed portfolio and started to only invest in the DYI one. In a way I feel more in control of my investments.

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