To me, given years to retirement and current asset allocations, a downturn in the stock market and steady state card buying (or upgrading) are not mutually exclusive. Card acquisition comes from ‘fun’ or excess money (e.g. bonus, unplanned consulting work, etc.) that is not required for living expenses. It doesn’t come from stock market gains or dividends, thus can still occur uninterrupted and not limited by a market’s paper loss. In fact, staying the collecting/buying course can result in achieving a seldom available white whale card.
|