Panic selling as of · 381
In a household notebook, Panic selling is judged from . The line is “Behaviour is a rate” and the figure in the sum is 1. A blinking gain on a screen is not the reason. Money without a date is storytelling. Compounding and discounting both need a clock.
Selling the engine after a crash realises sequence damage — why behaviour gaps show up in real investor returns. Panic selling converts paper volatility into permanent loss of compounding years — often the largest self-inflicted drag on long-run results. Panic selling sits in the behavior family of this atlas: mechanisms first, products second, hype never.
Use the calculator for scenarios, then return to the section pages when you want the vocabulary behind the curve. What is panic selling in one sentence? No. Tool-Lifes pages are educational atlases. Decisions need your goals, constraints and, when appropriate, a licensed adviser.
Do I need a high return for compounding to matter? Higher net rates help, but time and contributions often dominate — especially early. Costs and behaviour can erase a “good” rate. Treat outputs as scenario sketches. Vary contribution, rate, fees and inflation to see which lever moves your goal date.
For Panic selling in , the figure that stays is 1, named “Behaviour is a rate.” Sparkle is not a figure.1
Figures to keep
- Year of the rule
- 1
- Figure in the sum
- 1
- Item
- Panic selling
- Reason kept
- Behaviour is a rate