Many Americans with 401(k)s lack extra cash to invest during market downturns.

From Yahoo Finance: 2025-04-10 10:16:00

A post on Reddit’s r/stocks challenges the “buy the dip” strategy, highlighting that many Americans with 401(k)s don’t have spare cash to invest during market downturns. The post gained over 13,000 upvotes and criticized online commentators and government officials for promoting stock buying opportunities. Many users agreed, calling it a massive wealth transfer. Some near retirement expressed concern, noting the challenges of finding jobs at their age. While some Reddit users had cash on hand for such situations, most Americans don’t have that luxury. The advice to “buy the dip” was deemed disingenuous for the average investor.



Read more at Yahoo Finance: Americans Have 401(k)s, Not Cash ‘Lying Around To Buy Stocks,’ Says An Investor. Exposure To The Market Doesn’t Mean They Can Buy The Dip