6 Things To Do With Your Money Right Now After Dow Hit 50K
Written by
Chris Adam
Edited by
Jenna Klaverweiden
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Stocks hit a milestone in early February. The Dow Jones Industrial Average topped 50,000 for the first time on Feb. 6. As noted by The Wall Street Journal, it took more than eight years for the index to climb from 25,000 to 50,000.
The index has since fallen below 50,000, but investors may still be wondering what to make of the milestone. GOBankingRates talked to some money experts for their suggestions. Along with saying not to get too excited and make rush judgments, they offered these ideas.
Also see how to start investing in 2026.
1. Stay Steady
A key part of investing is staying steady and not making emotional decisions.
“What I’ve seen over the years is that reacting to headlines tends to create more regret than staying steady,” said Taylor Kovar, CFP, CEO of 11 Financial. “The Dow has hit ‘record highs’ again and again over decades and long-term investors who stayed disciplined generally benefited.”
2. Start Investing
Those who aren’t already investing may want to look at starting.
“If you haven’t been investing like you should, use this good news as motivation to start investing, starting with retirement accounts. An IRA and a 401(k) offer tax benefits that you don’t get with other investments. So start there,” said Melanie Musson, a finance expert with Quote.com.
3. Lock In Some Gains
Those who are invested may want to consider locking in some gains.
“Do not blink, the 50K level is one that the market is bouncing around,” said Marcus Sturdivant Sr., managing member of The ABC Squared. “If you have gains in this market, move to lock in some of those gains. You can sell some of the winners and keep the profit or move the profits and reinvest in other positions.”
4. Protect Your Assets
According to Brandon Gregg, CFP, advisor with BBK Wealth Management, now is a good time to protect your assets.
If you haven’t set up estate planning documents, it’s time to do it now, he advised. You’ve built wealth and you want to protect it, preferably making sure the money goes where you want it. Don’t allow probate or the IRS to take more of your hard-earned assets than is necessary, he said.
5. Diversify Your Investments
Gregg also said now is a great time to diversify.
“As your assets grow, you may want to look at alternative investments,” he said. “There are other opportunities like private investments that may provide some diversification, allowing you to invest in other ways so all of your assets are not moving with the markets. These investments could be in real estate or other business avenues.”
6. Consider Your Overall Playbook
“Review your allocation, increase your contribution by 1%, rebalance if needed and then go live your life,” said Andrew Lokenauth, founder of Fluent in Finance. “The market will do what it does. Your only job is to stay invested, stay diversified and stay disciplined. That’s it. That’s the whole playbook.”
Editor’s note: This article is for informational purposes only and does not constitute financial advice. Investing involves risk, including the possible loss of principal. Always consider your individual circumstances and consult with a qualified financial advisor before making investment decisions.
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