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What should you do when a stock you own is down 20%, 30%, or even 40%?

We review major names like UnitedHealth and six others that are currently in the red. But instead of reacting emotionally, Mike shares a clear, practical decision-making framework.

Whether you’re holding long-time favorites or recent disappointments, decide if it’s time to sell, wait, or buy more.
 

You’ll Learn

Your Process > Short-Term Results
Before panicking over poor stock performance, look at your overall investment process. Focus on what you control, not what the market throws at you.

Real-World Case Studies of Losers

• Apple (AAPL) – Down ~20% amid concerns over AI innovation and slow revenue growth.
• Target (TGT) – Down ~25%, driven by poor earnings and slowing sales. Mike remains unconvinced about its future.
• UnitedHealth (UNH) – Down ~40% after a perfect storm: cyberattack, legal issues, and weak guidance. Mike sees a recovery opportunity but admits it’s high risk.
• TFI International (TFII) – Suffering from earnings drops in a cyclical trucking industry. Still, Mike sees long-term potential as they execute their classic acquisition playbook.
• Apogee (APOG) – Down ~45%, hit by lower demand and weak guidance. Small cap + cyclicality = big swings.
• Robert Half (RHI) – Talent services firm down 40%+ as EPS and revenue decline. Strong balance sheet, but not Mike’s type of stock.
• Adentra (ADEN.TO) – Construction materials distributor, down 24%. The post-COVID hangover continues. Could be a speculative hold—or time to say goodbye.

Why Stocks Go Down—and What to Do About It

Dividend triangle representation.

• Look at three layers of decline: market-wide, sector-specific, or company-specific issues.
• Don’t sell just because it’s down. Check the dividend triangle, revenue trends, earnings, and payout ratio.
• Revisit your investment thesis. If it’s broken, act. If it’s still valid, ask yourself how long you’re willing to wait.
• Monitor management’s recovery plan and quarterly improvements.
• Hope is not an investing strategy. But clear metrics and a defined time horizon are.

Audio Length: 00:44:56

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