From Graham Stephan.
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PREVIOUS STOCK MARKET DROPS:
Market Correction: 10% Drop In Price.
Since 1920, the SP500 has (on average) seen a 5% pullback 3 times per year. On average, a 10% correction happens every 16 months, and throughout the last 20 years, a 10% drop has happened 11 times.
The Bear Market: 20% Drop In Price
According to data, this typically occurs every 7-10 years – during this time, the stock market drops an average of 33% and it falls over a period of 11.1 months.
The Market Collapse: 40%+ Drop In Price
Throughout the last 120 years, this has only happened 4 times. Even though it’s rather uncommon, it’s not impossible to happen in our lifetime.
HOW TO PREPARE:
-Always keep a 3-6 month fund at all times.
Having 3-6 months worth of your expenses, saved up, in cash – at all times – is one of the easiest things you can do to make sure you’ll last through a stock market drop.
-Diversify your investments.
The more you spread out your money, the more you reduce your risk and volatility…and this is the approach I’ve taken.
-KEEP BUYING IN.
Study after study show that the best thing you can do is just stick with your plan, keep buying in, and hold. Basically, do nothing different.
-DON’T PANIC SELL.
The psychology that pushes you to sell because your investment is dropping is going to be the same psychology that will hold you back when the market starts going up. Don’t do that.
-KEEP A STEADY INCOME.
The biggest risk I see with stock market corrections is that, depending on the underlying cause, it could also be associated with job loss, or a reduction in income. Don’t run out of income while the market drops and you start spending your emergency fund.
-KEEP MORE CASH
Statistically – this is not what you should be doing, and more often than not, investing your money all at once in the market will yield the best results – BUT if you want to play it extra safe, keeping more cash on the sidelines is a way to do that.
-DON’T INVEST SHORT TERM
A few years is not long enough to ensure that you’ll actually make money, so – the shorter your investment timeframe is – the less likely you should be invested in something that could drop in price.
If you can do the above, you’re almost guaranteed to make money over a 20-year timeframe, regardless of what the stock market does in the short term. Hope this helps!
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