How to Invest In The Next Stock Market Crash

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[ChrisShawUK]

I hit the GFC ten years into my investing journey and it was sobering to see the rapid falls which not only wiped out the meagre ten year growth, it pretty much came out break even on contributions.

Anyway, I did exactly what you suggest ... I carried in pumping in the max ISA allowance every year. I was investing 100% FTSE 100 at the time.

The net result was indeed that mathematics works... By 2016 everything was very green. I stopped work three years later, aged 51

[ericscott]

US citizen. I max my Individual Retirement Account (IRA). I divide the max yearly contributions by 52 and buy that each week. Done this for decades now. Yes this has worked fabulous for me.

[vinay]

Beg to disagree with what you said at the end, Toby. It’s actually easier to invest when the index is going down as you trust you’ll reap rewards when the index goes back up again eventually (months or years). When the market is going up, it’s actually harder as you constantly keep expecting a crash and fear you’ll be left ‘holding the bucket’…

[james]

Great advice - tbh younger investors should learn to love stock market crashes as it benefits them massively. I topped up on CSP1 and VHVG in the August downturn and glad I did!

You are also receiving dividends during the down times as well as the up !

[bentp]

I've been waiting for the next stock market crash for the last two years. Every time I think its too high to invest now it just goes higher

[pickashole]

Anyone recall that goldman Sachs banker being interviewed by the BBC where he said "they can make a lot of money when the market crashes". The BBC interviewer was mortified but he was honest and said banks run the world.

[mohamadsayari]

Great video as always and interesting tips.

What would the best strategy be if you have a lump sum and want to invest it today?

[PersonalIndependencepaymentsEd]

Andy Farrell a.k.a Andrew Duncan is probably creaming his MENSA pants over this. Jimmy Savile was also a member of MENSA, nuff said, as it happens. I'm sure there is no correlation.

[Incognito-Patts]

Just retired so happy to be sat in cash at the moment getting 5% (MMF) waiting for the crash!! If the market hasn't dropped by the time interest rates hit 4% I'll feed back into equity.

[JohnDoe-ivyu]

What are the reasons for the market to go down? What are the reasons for the market to go up?
1. Inflation. Is it abating? Perhaps.
2. Is the data accurate, truthful? VERY debatable.
3. Is it an election year? Yes.
4. Ukraine war.
5. Israel war.
6. Consumer credit cards defaulting and also has reached 1.5 trillion in debt.
7. Bank failures.
8. Small business failures are massive.
9. Commercial real estate.
10. America WILL print money again... is this good or bad?

There are more. So what are the positives versus the negatives? I see a false recovery in the near time with a savage downturn around 2026.

[turner]

Sure and Steadfast investing. Great example going through those years. Thank you

[whispie.]

Of course if you had 100.000£ invested by the time the market reaches its peak, and you can only contribute those same 200£ per month, the reality would look a bit different..

But I get your point and appreciate your videos. Keep it up!

[uu]

Hi Toby, great video again. I assume you swear by dollar cost averaging? I started investing within an ISA in July with a windfall and I lumped my full allocation in only to see my (Spxp and fwrg) stock dip almost immediately. It’s been very frustrating not being able to buy into this dip. A lesson learnt and I will definitely consider CDA come next April when I can add to my portfolio

[dakzer]

Great topic and most investing YT videos don't mention the longterm investing through the low-high times still yielding 30% plus profit. Thank you

[CycleXplorer]

The old classic, time in the market not timing the market

[danbucsa]

Ahh, I just received the email to join your community and there's the catch, £60 per year just to join the Discord. Shame that the community you want to build can only be this great community, if they pay. Hard pass. 🙂 I'll stick with watching your videos and I have subscribed...

[wallace-bvrl]

I can believe the point about the power of averaging in during a down phase. I’ve averaged in this year in an up phase. With a newly opened (about February 2024) account. I was so happy with how things looked but then surprised as after a market pull back in the summer I was actually losing money!! I see this as the opposite situation as that you described at the start of the video. It’s not a big worry and the surprise is arithmetically I couldn’t see how it could have happened 😬😀

[adz_]

Any advice on whether it’s worth investing in overlapping funds like S&P500 and a Global fund despite Apple Microsoft etc taking up large percentages of both. Most global funds are still heavily US so is it just worth choosing one or the other. I’m too unsure on future performance to just choose the S&P500.

[paulturner]

But different if you’re retired or approaching retirement

[sherifz]

Great insightful video. Thank you. However, for setting the right course of expectations, I wish you had mentioned about the caveat regarding the strategy not working for individual stocks per se” way earlier in the video rather than towards the end. Nonetheless, I thank you for giving sage advice about the dollar cost average strategy for gains in index fund investments 🙏🏼