Going down down at the moment…..
How are your super and shares going?
Also more importantly, are you planning to DCA down on your existing shares or buying some? If so, which share?
My Super Is down 23% and My Shares Are down 43% since The Start of The War. Have You Checked Yours?
Aerith-Waifu on 23/03/2026 - 17:10
Last edited 23/03/2026 - 17:27
Last edited 23/03/2026 - 17:27
Poll Options
- 1931: only down 10%
- 262: about 20%
- 53: 30%+
- 54: like you down about 40%
- 165: 50% and more
- 996: no idea
- 507: mine actually went up
Comments
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Yep, the game is very simple. Wait for shares to drop 40%, switch from balanced to 50% Australian & 50% International shares to ride the wave to a new all time high. Once there, switch back to balanced, rinse and repeat until you're filthy rich in retirement.
I am ball deep on FMG
What happened to the other nut?
Sold to balance the books.
Lance Armstrong accidentally doxxed himself
Good luck picking a single stock
ETFs will work better for most times
What is your strategy? If you are going to take the risky option of buying individual stocks, what exit conditions have you defined? Why would you sit back and watch something drop 40%? When did the alarm bells start ringing? Why did you ignore them? Have you set stop-losses for each stock you own? Do you actively monitor sector performance and trends? Why would you remain in Materials as the market turned its back, and Energy sector is so hot right now? I am baffled that you would sit in your chair and watch your portfolio get decimated in slow motion and do nothing about it? You know you can sell at any time, right?
selling no. i rather ride it out. its the board market, many small miners are down 50%
@Aerith-Waifu: If your investment strategy includes the flexibility to absorb 40% losses in 3 weeks, good luck to you. There are more efficient ways to make money from the market than "ride it out". In my opinion, "ride it out" is a good strategy when you are broadly invested such as through a whole-of-market ETF. If your investments are highly focussed in a single sector, and that sector is getting smashed, and other sectors are performing well, and you remain idle, this demonstrates pig-headed determination to suck at investing. It is not the "broad market" as you assert above, it is specific sectors. During the past month, there are sectors that have out-performed the market. In addition, you always have the option of parking your money in a high-yielding savings account, which right now, should return 5% with a bit of effort. TLDR, instead of being 40% down, you could have moved your investments into other sectors or into cash, and avoided the predicament that you find yourself in.
@ParkingFine23: Unless you’d have inside information, no way you’re going to guess the market. You’re selling below recent high, then missing the recovery. Sure fire way of minimising gains.
Riding it out is a far better strategy for most people.
"Have You Checked Yours?"
thats the mistake. dont check your portfolio, keep checking ozb for deals, buy before think, and be happy
"own nothing … be happy"
new hit single coming out…
Strange, relative to the all time high, the DOW/NASDAQ/ASX200 are only down 8%. This is just a little correction as it was heating up too much. How on Earth did OP lose 43% in shares? That's crazy. My super has returned 1% this FY instead of the typical 6.75% after 9 months so technically it's only down 6% from where it's meant to be.
DOW/NASDAQ/ASX200 are only down 8%. This is just a little correction as it was heating up too much. How on Earth did OP lose 43% in shares? That's crazy.
OP felt they knew better than professional investors running super funds and went in heavily on individual stocks. Which is always interesting to me as this is motivated by greed & yet when they get a very volatile swing (as such portfolios have the tendency to swing violently so it COULD in theory recover) they feel seemingly unconformtable with this - which indicates it was never their true risk appetite. Thus is classic Dunning-Kruger Effect.
https://en.wikipedia.org/wiki/Dunning%E2%80%93Kruger_effect
Ignorance is bliss my friends…
i think trump is short selling all stocks
I agree. And also bet all his mates are buying before this is over. Wonder how long can he hide behind the war before the Epstein files catches up to him
Thats what Cuba is for. Distraction 2, electric boogalooo!
Probably picked up a trick or two from Israel. It's the same as the Netanyahu, if he doesn't market himself as a "wartime" president who has to take "extreme measures" then he'd also be in jail for corruption.
Netanyahu? Cough cough.
Are we talking Mileikowsky? Benjamin Nitai? John Jay Sullivan? Or John Jay Sullivan Jr.?
Reza Pahlavi, a Western‑educated opposition figure and potential successor in Iran, is portrayed in some narratives as yet another “Mystery Babylon” patsy — like Mileikowsky — poised to assume the presidency and push regime change.
And Tim Osman… you all know who that is, right? Or am I just too deep down the rabbit hole?
See the pattern? There seems to be a lot of patsies trained by the U.S., or maybe agents working on behalf or associated with one of the three-letter alphabet agencies.
I won’t even get into the Fed at this stage… I'll Reserve that for a later stage…
MattitYahu (מתיתיהו) – “Gift of YAHUAH” → Matthew
YirmYahu (ירמיהו) – “YAHUAH will exalt” → Jeremiah
YeshYahu (ישעיהו) – “YAHUAH is salvation” → Isaiah
ChizkiYahu (חזקיהו) – “YAHUAH strengthens” → Hezekiah
UzzYahu (עזיהו) – “YAHUAH is my strength” → Uzziah
EliYahu (אליהו) – “My God is YAHUAH” → Elijah
MalkiYahu (מלכיהו) – “My king is YAHUAH” → Malachi
YedidYahu (ידידיהו) – “Beloved of YAHUAH” → Jedidiah (Solomon)
YehoYahu (יהויכין / יהויחו) – “YAHUAH will establish” → Jehoiachin
GedaliYahu (גדליהו) – “YAHUAH is great” → Gedaliah
HoshYahu (הושיהו) – “YAHUAH saves” → Hoshaiah
NetanYahu (נתניהו) –“YAHUAH has given”→ Benjamin NetanyahuBenjamin Mileikowsky changed his last name to NetanYahu, most probably to fool the world he was given to the world by Yahuah or 'chosen'.
The true Messiah is YAHUsha, and NOT Jesus BTW. The one that said 'I come in my fathers name and you recieve me NOT'! (John 5:43)
Yahu = Yahuah = El Shaddai = The almighty father. FOREVER - Ex 3.15
'Sha suffix = Yasha
YAHUSHA = The Son of Yahuah = The true Messiah. NO OTHER
YAHUSHA literally means “YAHUAH saves”Only post this here as I feel it is extremely relevant to those who believe in scripture/prophesy and want to iron out the lies and falsehoods they have inherited by tradition or false doctrines etc. etc. For those that don't believe or who are of different faith, please disregard. Not my intention to offend anyone, but if you are a bible believer, what I have just written above should really be edifying if you care to test with your measure (scripture).
And finally, the word 'Jew' |Yehudi| originally meant 'Judean', or someone from the tribe of Judea (one of the 12 tribes). It has now been changed to mean someone who practises 'Judaism', which is a form of 'organised religion'. No matter your opinion on this matter, this is another very important truth, because when you understand this you realise the bible calls the collection of believers 'Israelites', its not the land mass called 'Israel', its a collection of spiritual people, and scattered across the 4 corners of the Earth until He gathers them back to the land in the 2nd Exodus (Hasn't happened yet!) That is 'them' trying to convince 'us' that that is what the bible is saying, but it is definitely NOT. So even IF the current day Israel ARE the chosen people, they definitely DO NOT speak for the other 11 tribes of Yashar'el (Israel) (The name of His Kingdom also contains Yasha aswell as the suffix 'el, which means 'of Elohim/God'). If you are a grafted in believer, that makes you an Israelite also. He said there is NO JEWS NOR GREEKS/GENTILES. We are either a natural branch or grafted-in branch of the true vine.
Judaism follows the law of Moses/Rambam ben Maimon, and NOT the law of Moses of the bible. So when they say they follow the law (or more accurately the 'Torah'), they are talking about the Torah given down by Maimonides and other Rabbi's in the way of the Talmud, Torah, Mishnah, Midrash, Zohar etc etc. They are NOT lying, but NOT telling the full truth. It's a different Moses, with different laws, passed down orally and eventually written. If you think i am being some form of -etic, please refer to this video, made by believers of Judaism, who did the research and are shocked at the discovery. 35 mins at least should suffice if you find time…
I'm already on a domestic terrorist watchlist also for speaking truth BTW, so don't be concerned if what I said seems to be me 'speaking out of school' so something! 😅
Not here to hijack the thread but this is a really important issue that requires people be educated correctly in the truth in order to see through the lies. I am willing to take DM's on biblical truths and falsehoods like Churchianity if anyone actually cares at this. I'm not an oracle, nor do I know all the answers, but I have been blessed with wisdom and understanding in regards to scriptural accuracy in some capacity. Time is running out to repent guys!
Truth is like what sunlight is to vampires… 🧛
@ozsb: Ancient people definitely liked to write books to explain reality, feel less fear about dying, enforce conformity, and impose arbitrary rules on each other.
Religion Text Main Supernatural Claims Christianity Bible God created the world, and Jesus is God incarnate who performed miracles, died and rose from the dead, and whose death and resurrection provide salvation for humanity, with a future resurrection and final judgment leading to eternal life or eternal punishment. Islam Qur'an The Qur'an is the literal word of God revealed to Muhammad through the angel Gabriel, Muhammad is the final prophet, miracles associated with prophets are real, and all people will be bodily resurrected and judged for their eternal fate, leading to eternal reward or eternal punishment. Judaism Tanakh One God created the world, revealed divine law to Israel, performed miracles in history, established a covenant with the Jewish people, and will bring about a future messianic age and/or resurrection. Hinduism Vedas / Bhagavad Gita Ultimate reality (Brahman) underlies all existence, gods can manifest in the world, karma governs actions across lifetimes, beings are reborn in a cycle (samsara), and liberation (moksha) from this cycle is possible. Buddhism Tripitaka All beings undergo repeated rebirth governed by karma, existence includes multiple realms beyond the visible world, and enlightenment can end the cycle of rebirth. Pure Land Buddhism Larger Sukhāvatīvyūha Sūtra / Amitābha Sūtras Amitābha Buddha created a pure land where beings can be reborn through faith and recitation of his name, ensuring eventual enlightenment outside the normal cycle of rebirth. Nichiren Buddhism Lotus Sutra The Lotus Sutra contains the ultimate teaching of the Buddha, and chanting its title invokes a universal law that enables enlightenment in this lifetime, with continued existence shaped by karma and the possibility of Buddhahood across lifetimes. Sikhism Guru Granth Sahib There is one formless, eternal God, divine truth was revealed through the Gurus, karma and rebirth shape existence, and liberation is achieved through devotion to God. Taoism Tao Te Ching An underlying and ineffable force called the Tao governs all reality, and aligning with it leads to harmony, with some traditions holding that spiritual practices can lead to longevity or immortality. Confucianism Analects A moral cosmic order known as Heaven (Tian) governs reality and human affairs, influencing destiny and the legitimacy of rulers. Zoroastrianism Avesta The universe is shaped by a cosmic struggle between forces of good and evil, individuals are judged after death, the dead will be resurrected, and the world will ultimately be renewed. Mormonism (LDS) Book of Mormon Jesus Christ appeared to people in the ancient Americas after his resurrection, prophets there recorded divine history, God continues to reveal truth, and humans can ultimately attain exaltation and become like God. Baháʼí Faith Kitáb-i-Aqdas God progressively reveals truth through a series of prophets, culminating in Baháʼu’lláh, and humanity is moving toward a unified global civilization under divine guidance. Jainism Agamas The universe is eternal without a creator god, souls are bound by karma across countless rebirths, and liberation is achieved by purifying the soul through strict ethical practice. Shinto Kojiki / Nihon Shoki The world and Japan were created by kami (divine spirits), these spirits inhabit natural phenomena, and they continue to influence the world and human affairs. Tenrikyo Ofudesaki God (Tenri-Ō-no-Mikoto) created humanity for a joyful life, communicates divine teachings through revelation, and intervenes in human affairs to guide people toward that purpose. Older/historical religions:
Religion Main Text(s) Main Supernatural Claims Ancient Egyptian religion Pyramid Texts / Book of the Dead Multiple gods governed nature and the afterlife, and the soul was judged after death before entering an eternal afterlife. Ancient Greek religion Homeric Hymns / Works of Hesiod A pantheon of gods actively intervened in human affairs, controlled natural forces, and determined aspects of fate and destiny. Ancient Roman religion Various rituals / texts (no single canon) Gods oversaw all aspects of life and required rituals to maintain divine favour and the stability of the state. Norse religion Poetic Edda / Prose Edda Gods such as Odin and Thor shaped the world, and a final cosmic battle (Ragnarök) would destroy and renew it. Manichaeism Kephalaia / writings of Mani The universe is a battleground between forces of light and darkness, and human souls are fragments of divine light trapped in matter. Gnosticism Nag Hammadi texts The material world was created by a lesser divine being, and salvation comes through secret knowledge (gnosis) of a higher spiritual reality. Mithraism No surviving central scripture A god (Mithras) ensured cosmic order and salvation through secret rituals and initiation. Aztec religion Codices (e.g. Codex Borgia) Gods required human sacrifice to sustain the cosmos, including the movement of the sun. Inca religion Oral traditions / chronicles The sun god Inti and other deities ruled the world, and the emperor was of divine origin. Canaanite religion Ugaritic texts A pantheon of gods controlled fertility, storms, and kingship, with divine conflicts shaping the world. @Jaspa7: Exactly - that’s a perfect analogy for belief systems or “flavors” of religion. The base recipe (scripture, law, prophecy, structure) is like your ice cream base: it sets the framework, the consistency, and the foundation. The flavors - personal interpretations, traditions, cultural practices - are added later. They each make the journey a bit different, but they should not change the underlying structure and integrity of scripture (which most denominations and faiths do).
Basic Ice Cream Base Ingredients:
2 cups (480 ml) heavy cream
1 cup (240 ml) whole milk
3/4 cup (150 g) granulated sugar
4 large egg yolks
1 teaspoon vanilla extract (optional)So even if someone enjoys chocolate, strawberry, or pistachio, the base - cream, milk, sugar, eggs - is what holds it all together. Similarly, the Bible’s law, calendar, and prophetic structure are the base; the ways people interpret and practice it are the flavors. Some flavor may taste better to some than others, but the foundation should always remain the same. It doesn’t matter how palatable it may be - if you don’t follow the recipe, it is not going to be ice cream.
Almond “milk” isn’t really milk at all - it’s just a plant-based drink; real milk comes from animals.
Pufferfish tastes good if the correct guidelines are followed, otherwise the result is paralysis and/or death.
Take away what you wish, if anything? 😂💯
@ozsb: Yep, the ancients knew everything, and we don't know a thing.
That's the reason they produced so many different books claiming entirely different things about invisible, silent beings and people performing magic, and going to heaven after your brain dies, and yet were somehow silent about things like DNA, electromagnetism, relativity, quantum mechanics, microbes, antibiotics, germs, neurons, the immune system, enzymes, proteins, photosynthesis, cell-division, electrons, plate tectonics, carbon-dating, exoplanets, viruses, galaxies, black holes, radio-waves, nuclear fission, the speed of light, the cosmic microwave background, entropy, thermodynamics, gravitational waves, the expansion of the universe.
@ForkSnorter: I'm all for people wanting to explore science, or whatever faith/religion they want to believe, my comments however serve to show the inconsistencies between what the biblical scriptures ACTUALLY say VS what people are practising, which, as defined by scripture, is the 'doctrines and traditions of men'.
I get it, it can be fully perceived that I as a bible believer, also am following doctrines and traditions of men. That would be something for me to reconcile in the future when new facts come to light.
Thats what repentance is. Adjusting your life so you DONT miss the target.
Metanoia and Teshuva are 2 different ideas.
@ForkSnorter: Mods, why is copy and pasted crap like this which has nothing to do with the thread allowed to stay up?
This is specifically against OzB rules.
@Daniel Plainview: How do you know this is copy and paste? You are very confident in your assumptions.
@ozsb: Again copy and pasted spam level crap that the mods should be removing. Nothing to do with the thread's subect.
The political soap opera doesn't matter, nobody's ever going to pay for any of it.
What will matter is if they run out of petrol and give people a reason to do something.
Glass half full, unless you’re retiring soon, the unit price of your funds is lower, meaning you are buying more units every pay packet compared to before the war, so when it bounces back you’ll have even more than you would have :) it’s not a loss unless you sell
I am in the transportation industry. Soon it might not have a job for me. That’s the worry. There is already chatters in the office about laying people off
with AI, half the jobs in the world will be completely gone in the next 10 years
lucky if you have a pay packet
My Shares Are down 43% since The Start of The War
this is what happens when you stock pick. You cant take the 'wins' from gambling on picks and not also be willing to take the larger losses when those gambles dont pay off
Eg none of the broad market ETF index funds for major markets would be down 43%but as to your question on what am I doing
Im going to:
- Buy $x every week like I always do. This week just happens to be cheaper per unit than last
- Pay minimal attention to my super that is essentially DCA'd anyway based on employee contributions and whatever interval I can be bothered converting from default high growth option into members choice index fund purchases.Well VAS is the one I would consider if I am ever going to get into ETF
not sure why you'd just limit your self to the AU ASX market?
we're a tiny portion of the world and as such ignoring other (traded on the ASX) broad funds that cover global marketseg DHHF if you wanna single stop shop, split something like VAS/VGS if you want to diy your own split
I have a look at DHHF thank you
@Aerith-Waifu: Maybe you should look at more defensive/fund of funds ETF and not all growth since you're so deep in growth assets.
Also, stop listening to randoms on the internet like me and others and do some basic research.
@microsnot: Bingo.
OP either has a SMSF or direct assets via a SF (Choiceplus etc) - which should only be done if you know what you are doing. Now if he had no idea about something as incredibly well known as DHHF, I am saying there's a major problem with this decision making process as thats smoething they should and would have been very aware of IF they were well versed enough to be pimping out their super to an individual stock type level.
@Daniel Plainview: Personally I don't know how OP could be down that much unless they put it all on black and didn't look at it for a period of time.
If you know what you are doing you can make much better money managing it yourself than in a fund, but most people don't have the time or interest.
I've averaged 14% pa since COVID with the exception of the last 12 months where I'm at 8.5%, playing individual shares, ETFs, riding the gold wave etc etc
I'm now 100% out and waiting for this war to hit bottom, whenever that is, then I'll likely sink some money into Qantas and Virgin and whatever else looks undervaluedwaiting for this war to hit bottom
That's the very difficult part. How are you going to know that it hit bottom?
@Mad Max: You just need to buy near the bottom, it won't rebound back overnight given the drop we have had and it is likely to drop much further.
@SlickMick: I did it with the banks during COVID, as the govt will bail them out worst case, GFC taught us that
I invested in NFT’s and the metaverse
Thanks for the laugh!
As a successful-to-be entrepreneur, I'm cashing it all in for a garage full of wind-up torches to sell during the dark times.
My EFTPOS machine is one of those baseball bats with nails sticking out of it
As a successful-to-be entrepreneur
Hahaha
Haven't looked. I check every 6 months, I set it based on long term goals and make sure my work is paying me. That's it.
If you're in High Growth, Growth, Asian etc where there's a large portion of OS stocks, you just have to ride this baby out.
No one should ever be panicking with Super. You alter it based on where you are and your risk appetite. If you're 5 years out from retirement, you shouldn't have been in High Growth for this to have been a concern in the first place.
If you're not in that position, stop stressing.
Retirement is something I won’t be worrying yet. What I am worried about is the industry I am in which is transportation. I think it will be job loss if trucks don’t have any fuels soon
Then start looking at your alternative options now.
Start polishing your resumé.
You don't want to be looking for alternative safer employment once there's big job losses in your industry.
Get ahead of the curve.Already on it. Only thing is I love what I do at the moment and the workmates are good respectful and even the boss is a good man.
How does jobloss work with super? Are you able to make withdrawals from it?
@kaleidoscope: Only in cases of severe financial hardship, like being at risk of house reposession if you can't pay your mortgage. I think you can withdraw some for certain types of medical treatment too.
if trucks don’t have any fuels soon
Fuel prices, diesel in particular, are absolutely obscene but that doesn't mean there is a shortage of diesel fuel. Pay as you are told and there is plenty of suppliers with plenty of diesel.
The US-Israel actions against Iran affect a small percentage of the oil transport. Going via Cape Town is long and expensive but it is a (costlier) alternative.
And a big fat lot of oil goes thru the Strait of Malacca … not just HormuzNow, also remember bio-diesel …
There are alternatives.Mad Max futuristic world is not here just yet.
random question.
are there any LPG trucks?
or does only diesel provide the torque required?
Markets go up and down. I’ve ridden out a few disasters. If you have good stocks you just a) wait for it to normalise or b) watch Trump turn the world into a black radioactive smoking hole.
How many 'once in a lifetime' disasters are you up to now?
I told everyone last week to YOLO it into diesel futures… that and EV manufacturers.
Buy the dip. No doubt Trump's inner circle are before he announces an end to the war and stocks rally.
You don't try to catch a falling knife
What goes down must come up.
The market can stay irrational longer than you can stay solvent.
No idea still continue to DCA into my ETFs and superfund ill worry more when im closer to retirement in which ill probably change to a more defensive set up if you're over 60 i got no idea why you would be on growth at that age and if you are under 60 you got plenty of time
It’s ok I can’t afford to retire till 99
How much is the total value of your watches :P
Are you sure you'll reach 99? No diabetes, high blood pressure, etc? Good legs, no problem physically?
Grand parents both side hit at least late 90s
No diabetes … yet
Blood pressure surprisingly fine according to gp
30 min decent exercise a dayDiet is out of control but 🤣
2099 or 2199?
my retirement plan is a fatal heart attack two days before my last day at work.
did you know life insurance pays out double on a work trip?
‘Damn 2 days from retirement’
MENDOZZAAAAAAAA
Be a contrarian investor.
Buy high snd sell low.
Just what Trumpies want you to do.I invested in defence before Ukraine kicked off. That holding has been my MVP.
If we can post pictures insert "I did this sticker" of Trump.
Another day, another case of market manipulation
At the end of the day, TACO… Because he's a weak spineless pathetic bag of bones in a human suit
No poll option for an increase? God bless defined benefit. Might be a good time to convert to accumulation?
Google defined benefit.
It's basically a taxpayer subsidies pension/super scheme that (mainly) government workers got back in the day.
They quickly worked out that it was costing more to pay out than it was making so ditched it for the newer generation coming though… Just like the free University and all the other perks that generation got and we are still paying for.
We will only get what we put in ourselves, plus any returns minus the (increasing) tax on super now.
Micron. doubled since i bought in November.
Micron, doubled…
But it's so small you can barely see it.
Cash / fixed interest is still ticking along… slowly.
Can you add:
- 0: no idea
Went from high risk/return to balanced/indexed about 6 months ago when gold started going through the roof thinking something was up. The strengthening Aussie dollar also helped after getting out of international shares.
Extremely happy with its performance at the moment.
Smart move! Well done
I made over $150k profit on super trading gold, pmgold, etpmag, ooo since October.
Gold is not so good now?
Yeah everything bar oil is not so good
Has balanced performed any better?
It seems like basically everything has gone down (except oil obviously) and property, but that's just due to property being so illiquid and there is a lag there.
When you hedge your highs by changing out to a defensive one almost at its peak then yes, balanced and indexed will perform better in the downturn as they're less volatile.
Yeah I understand the theory, I was asking if it actually had performed better.
In the last 6 months through to Feb the high growth option had outperformed the balanced option at Australia's largest super fund, though things may have changed a bit in the last few weeks with this war.
I dunno if there is a way to access the up to the minute charts with super funds or not.
Sources:
https://www.morningstar.com.au/investments/security/fund/182…
https://www.morningstar.com.au/investments/security/fund/182…
@Binchicken22: Yeah a lot has changed since Feb and i feel the Balanced will be coming out ahead now.
@Drakesy: For how long though is the question?
Do you pile into high growth again after this war is settled? Or do you wait for the seemingly inevitable takeover of Taiwan and see how that plays out? Or do you wait to see how Ukraine/Russia plays out too? Or do you wait to see if USA ever does anything meaningful to address their massive nation debt burden?
There are a million factors that we haven't even thought about, that's what makes "timing the market" so hard and 9/10 people come out worse off in the long run than if they had of just held.
@Binchicken22: Binchicken22 is 100% correct - timing the market is hard enough for professional traders. That home users think they can do it is nice but the vast majority of the time complete self delusion. Especially with Super where generally changing positions is NOT instantaneous and unit pricing is often opaque.
This is why you regularly buy at set intervals and don't time the market, and also why something like ETFs work.
I'm down about 7% in total, which isn't too bad. 40%+ is insane though, you really need to re-evaluate what you've invested in.
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Haven't looked. I know it'll be down but I'm not touching it for another 10 years. Plenty of time for trump to die and the world to heal. Of course I'll be buying in the meantime but I can't say what as I haven't decided.