What to do if the stock market crashes? Here's my plan

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[@kw8757]

"In the short term the Stockmarket is a roulette wheel, in the long term it's a money printing machine"...said someone richer than me.

[@declanmcardle]

Very good...

[@blockaderunner]

"The sheep get slaughtered by the Fed and their cronies who front-run"

[@thezyg6311]

Buy long dated puts when the VIX is low? Hedge yourself if you have a large portfolio.

[@ChrisShawUK]

You should only ever invest in things you understand. So if you know all about puts and vixes, why not? There's a danger for retail investors though who try to do professional sounding things. Generally, the investment professionals have access to much better information, real time pricing, transaction fees and liquidity than retail platforms. Copying investment strategies from professionals is like trying to copy man United in your local park. It might work, but they have much better infrastructure than you.

[@YTDataAnalyst]

I would love to try out VIX later this year but the constant market volatility and diff manipulations by big sharks makes me scared.

[@ChrisShawUK]

Oh crap ... Have I ended up in a scam thread?

[@thezyg6311]

@@ChrisShawUK My post wasn't a scam but scammers have latched on. If you have the time it's worthwhile to look into hedging. Look for the most inflated names or indices and try to find value in put options. As I said, generally the VIX gives a good indication of put value.

[@kiljaeden7663]

I invested £20k in various tech stocks almost exactly 2 years ago as my first dalliance into investing. Of course they all took a 25% dip almost immediately. In my case my £20k went down to £14k. I just sighed, chalked it up to experience and then just left it all as it was. When I checked on the wallet a month ago it was worth £25k.

[@TobyNewbatt]

Glad you held! It’s a tough game with stocks especially individual names.

[@superslip103]

And there we are. Perfect example of set and forget working out very nicely. You’re actually 25% up.

[@Cassp0nk]

Same. Annualised return for that period is 22% for me.

[@kiljaeden7663]

@@TobyNewbatt my thought was that I could take the £14k out but then I'd only have £14k and what was I going to do with it except let it devalue further through inflation in my bank account - might as well leave it where it was where it would at least have a chance to grow.

[@BIG2hats]

Now imagine if you dropped another 10k whilst the market dropped 📈📈

[@dodiloi]

There will always be inflation, so the market will always rise.

[@jellyboy123]

thats my philosophy as long as the US keeps printing money the markets will always go up

[@jonathangiles4854]

Yeah, agreed.

[@cb8608]

It's not the market going up. It's your money going down. No alpha.

[@jan2000nl]

Alpha. The BS that help make fund managers stupidly rich for consistently underperforming

[@s14pts]

Very good analysis, mate. Just keep steady investing and ignore market crashes

[@GavinLawrence747]

Honestly, if the stock market crashes and there is no forthcoming policy to rescue it, or a policy error, we'll all have much MUCH worse things to worry about than a negative return on a computer screen!

[@dallassukerkin6878]

Exactly what I said to help an uncertain friend that investing was something he should be doing to prepare for retirement.

[@thezyg6311]

Market will fix itself. There are far too many high spec, zombie companies on the markets. They will go to the wall and any decent part, for example, intellectual property, will be snapped up by successful and efficient companies in each sector.

[@pannypancakes5836]

Level headed as always! Thanks !

[@marcwareham9351]

Just keep buying!

[@turner1622]

Solid suff mate, staying the course up and down. 👍

[@mattsennett]

Another great video Toby👍🏻 It's so true that the best investors are those that play the long game and drip feed in no matter what. Sure we all like to stock pick from time to time but the core of anyone's portfolio should be a tax efficient index fund that benefits from a regular top up payment.

[@davidbettney785]

Always enjoy your relaxed and informative videos...Another quality video :)

[@TobyNewbatt]

Thanks again!

[@LucaPainOfficial]

Great advices with a lot of knowledge behind! Thank you!

[@TobyNewbatt]

Thank you!

[@awreetmeowd]

I'm a tea man myself, whatever the worry, a cup of tea always helps!

[@arigutman]

If the stock market crashes, I WISH IT WOULD, but BUY BUY AND BUY!

[@sunnyBLR]

Except we don't know if crash is going to continue from -5 to -10 to -15 or it's done. But yeah, it would still make sense to pump more $ into index each time market goes down

[@angeloflam]

Great video. Thank you 🙏🏻

[@TobyNewbatt]

Thank you as always :)

[@grove57s]

Thanks for keeping me grounded 😊

[@TobyNewbatt]

Always!

[@arnvarkoskinenson9356]

You're great, thank you.

[@TobyNewbatt]

Thank you!

[@arnvarkoskinenson9356]

​@@TobyNewbatt To specify the statement a bit. It's great and very honorable that you are aware of your responsibility that comes with your influence. You could just give tips that benefit only you, but you are a quite honest, authentic, and trustworthy person. I'm grateful that there's still something like this in the finance influencer scene on KZbin.

[@Phil_f8andbethere]

Good sound advice Toby. I think our risk tolerance is far less than what we imagine it to be. A lot of folks say they are quite happy to see a drawdown of 30-40%, but when it happens they realise they are far less happy with it!. It all comes down to time horizon. If you don't need the money for 20 years or more then a major crash is not an issue, but if you need it within 5 years it could be a big problem.

[@Andygb78]

Yeah, I think the hardest thing is what to do with your investments the closer you get to cashing out. I'd say if you were 5 years away from needing to sell your investments, you should have at least 50% bonds anyway, and be working to swap more of your equities for bonds each year until you needed the money.

[@BIG2hats]

I would love a 30% drop, I keep part of my portfolio in cash for that exact reason, when shits hits the fan I’ll be buying more and MORE!

[@smeg3519]

This was a brilliant video. Fantastic advice and it feels great to know I’m doing something very similar to you. Nice work mate

[@TobyNewbatt]

Thank you as always for the support

[@jonathangiles4854]

Great video as always Toby. I just need to remember what those bull and bear graphs look like to keep the faith!

[@TobyNewbatt]

Thanks again!

[@SmigtySmig]

This is literally my thought, Toby "If it all goes wrong, so what? I didn't need the money I invested" As long as you live the life you want to live, you'll have no regrets, regardless of the outcome.

[@arturtsk444]

Couldn't agree more Great video!

[@TobyNewbatt]

thank you!

[@Norfolkpaul]

Always fun out there 😊nice video ☄️

[@TobyNewbatt]

Thank you 🤗

[@Abdul_Rahman86]

Great video yet again and very important. Investing is definitely more psychological and emotional than it is knowledgeable! Unless you’re a trader, in which case I don’t have much of an opinion on.

[@MeltingRubberZ28]

Market crash = everything on sale. Pull the quarters out from under your couch and buy!

[@Cassp0nk]

Never that easy to call the bottom. It’s called catching the falling knife. Mostly it goes in your hand!

[@MeltingRubberZ28]

@Cassp0nk worked a few months ago. Bought VOO at 376. It's now like 455.

[@stewillo86]

I have a little pot of additional cash for when the crash happens, buy more for less. However, I will always keep my monthly injection going.

[@valerienewbatt9678]

Very enjoyable and informative video Toby

[@TobyNewbatt]

Thank you weee Valllll

[@Chardy97]

Hey toby , i noticed you haven't done an invest engine update for January? Will there be one?

[@TobyNewbatt]

Working on one next week, wanted to get out lots of other videos out as a priority first. Also some cool updates to my IE portfolio with some new features I wanted to cover :)

[@Chardy97]

@@TobyNewbatt can't wait for it!

[@jonathanholmes7922]

Great video Toby . I know you always say you are not a financial expert. But your honest opinion on Smithson investment trust? Cheers

[@David-lj6dq]

I invested £20k in a lump sum 2 yrs ago and then another £5k a year later. There's been ups and down in my Lifestrategy 60. Should I put smaller amounts in now on an adhoc basis or a larger one off lump sum once a year?

[@gregchinner5314]

I mean to say you can’t figure out if the market is expensive or not is a bit ignorant, they are historically PE ratios. Which indicate if the market is overpriced or not, this is the time to DCA slightly less and to leave some on the side to prepare if there is a dip on the horizon

[@tullycottage367]

Thanks Toby. Although relatively new to this, my portfolio is doing really well, thanks to learning the basics from you, James Shack and Damien. So now, of course, I’m expecting it all to go pear shaped! But I’ll hang in there and keep the monthly investment going, no matter what. The S&P can’t keep going like this forever.can it? 😂

[@disct1597]

Great advise..…

[@lukespelman8862]

I am in favour of always staying invested, but I think you've only told part of the story on buy the dip vs DCA. Buy the dip definitely outperforms in certain scenarios vs DCA. I went to your source in the graph and in the article where you've pulled the graph he actually point out over a 25 year periods from mid 90s a side by strategy it outperformed DCA by what looks to me about 16% in total. Between 1930 and 1980 DCA appears to outperform using his data, whilst buy the dip outperforms from 1980 onwards and also prior to 1930. I would say that most people from a psychology perspective really probably should just be doing DCA, as most people fall into the buy high, sell low psychological trap. Regardless though, going super hard with money at very low markets, provides great returns.

[@Solemme]

Production value went up. gj

[@TobyNewbatt]

love to hear this thank you! always trying to improve

[@ChrisShawUK]

I'm liking the kitchen shots too ... Love being nosey at how the other half live

[@molex114]

No debt check, mortgage paid check, 4 months emergency check, and pension sorted check. As a late arrival to investing, i have a limited amount of growth to keep it interesting and a few dividend with the bulk in ETF's. Im working on the principle that I've made nothing and lost nothing until i cash in. Now i know im not going to end up a millionaire but my plan is to buy me a few more years before i need to start taking my pension. If, on the other hand im down when i retier, then maybe I'll take my pension and wait for my investments to come good and supplement it instead. But as im not dependent on the market I'll take the highs with a pinch of salt and the lows as a sale. Best case i retier a little better off. Worse case my funeral is paid for and my daughter gets a free holiday 👍

[@jjstannard32]

Don't listen to the noise, just invest for the long-term.

[@jacc88888]

Very sound advice. I especially like the approach of investing during a bear market (if you have plenty of cash reverses elsewhere). This is a very powerful antidote to the anxiety most people feel during a bear market. ie The savvy investor can actually take advantage of such times.

[@TobyNewbatt]

Yes, totally depends on your circumstances but If you are long term and can stomach it go ahead :)

[@Thaitanium73]

I just have a direct debit putting £200 per month on payday in to my VUAG ETF in my ISA account and just forget about it, I'll leave it for at least the next 10 - 15 years.

[@glenakatsr]

Hi Toby, another great video as usual, at some point can you go over bonds please? Should I invest in bond index fund when I’m closer to retirement? What about UK gilts on Vanguard, yay or nay , thank you!

[@TobyNewbatt]

Good question, and yes I will do some more videos on this topic!

[@ManjeetKumar-ce9zc]

Market breakdown

[@simonsinvestingjourney]

Massive fan of your content Toby, always find it so real & down to earth. I’ve just started a channel sharing my investing journey. Inspired by people like yourself!

[@TobyNewbatt]

Keep it up! And thank you

[@riccardobarone2556]

quick question: I've started investing a few years ago and I think I've got a fair understanding of what this entails (Invest for the long run, go against your feelings, dollar cost averaging, compound interest etc..). so I know that if I never pull that money out one day in a very long time I'll have a bit more of it. what I haven't figured out yet is how to understand when it's the right time to pull out and enjoy the profits. Sure I could keep investing until I'm sixty and have a lot more than if I pulled out at forty, but what would I really use that big chunk of money for at that age (provided my pp is enough to live on)? See, I would not want to not enjoy life (buy my dream car, travel the world, hobbies etc..) because my only goal was to "never pull that money out!!!" until I'm too old to actually enjoy them.

[@Andygb78]

It just depends on your investment goal. Mine is money for old age. But you could give yourself a 5 or 10 year time horizon to accumulate money to spend on a particular thing. You can choose to invest for whatever you like. It's just it delivers better results and is less risky investing over the long term.

[@ChrisShawUK]

It's good to invest now and figure out your desired lifestyle later. I stopped work in 2019, aged 51 and now I allocate time exactly how I wish. I spend time, not money. For me, time is the most valuable asset. But having money enables me to do that. If I had consumed it, I wouldn't be able to live the lifestyle I do now.

[@Razmatazuk]

They way I'm thinking about it is invest for my retirement when I can no longer DCA in. At that point switch your investments to something safer such as dividend yields and or bonds. Then live of the compounding interest. Also there are calculators where you can calculate in the future withdrawing small amounts whilst still keep your initial investments around the same level

[@stevegeek]

@@ChrisShawUK "I spend time, not money. For me, time is the most valuable asset."....congrats, I'm the same...just retired at 55 and loving every minute of it! For 35 years I was "time poor". No longer!

[@TobyNewbatt]

Enjoying this thread!

[@clarenceishmael9615]

Sound words!

[@u10722u]

Toby if you had a lump of cash would you invest you isa allowance (£20k) in one go or would you spread that , drip feed it over the 12 months ?

[@joshuat1535]

Need more context of your overall financial situation and your plans/expectations for the future. There's no hard and fast rule so would need specific advice from an advisor if you are unsure.

[@jonathangiles4854]

I had the exact same scenario. I researched and lump sum came slightly ahead most of the time long term than drip feeding. If in doubt split your lump sum into 1/4’s and invest every 3 months

[@mr_x1703]

i don't know what to do. i upped the amount i put into my etf's. i don't need the money in the next years, so i don't do crazy things, and i don't plan to time the market. i just leave it alone.

[@devmehta10]

Hey mate, great video. If you had the option to maximise your ISA allowance for the year. Which of the following would you do. 1. Put £16k into a stocks and shares ISA (invest in S&P & FTSE ETF) and Pay the remaining £4k into a Lifetime stocks and shares ISA (to grab bonus). OR 2. Put all the £20k ISA allowance into a stocks and shares ISA (invest in S&P & FTSE ETF)? Long-term investor. Won't be able to access LifeTime ISA for 20 years. Using it for retirement. Just wanted to know your thoughts. Love your work!

[@devmehta10]

​​@@bartz4439The Life time ISA bonus is only paid every year to age 50. So for a 10 year period from the age of 50-60 my money would be locked up in a Lifetime ISA and not being invested in an S&S ISA. In the Lifetime ISA I wouldn't have the full selection of investments options that I would have in the S&S ISA. So yes "really".

[@pip1723]

I've been through one just kept investing every month as usual.

[@yunussavas3481]

Good video how do u plan to keep your money save sipp only covers 85k

[@TobyNewbatt]

I did a video on this you should watch 👍

[@thaumaturgeishere331]

Ya need to make a distinction between the US and the UK. Despite these markets overlapping, they a different and are not highly corelated.

[@TobyNewbatt]

I invest globally :). Investing only in the UK would be extremely foolish it makes up less than 4% of the global market and the US is the largest market in the world.

[@twinkletale5548]

Still buying even when I lost £4k in one company. Lesson learned there but used the remaining amount to buy a quality company and now it is 10% up.

[@Abdul_Rahman86]

How did you lose 4k ? Which company?

[@stevegeek]

Good advice Toby. I'm an older investor who has recently retired, so I'm in a different situation to yourself. I spent 30 year DCA'ing into my pension, and I'm about to start drawing down. If there is a crash, I don't want to be selling funds, so I have ~ 3 years of cash...hopefully this is enough to ride out any storm. I've also tried to diversify my portfolio so I don't have all eggs in one basket. It's interesting how there are so many different opinions about what will happen to the markets in the next few years, with some saying we're set for a bull run for at least another year, while others a predicting a huge crash before the year end...oh, for that crystal ball! 😅

[@adrianl5899]

Good work in building the cash buffer to avoid selling in a downturn. Is the pot a mix of equities and bonds? Good luck.

[@stevegeek]

@@adrianl5899 Thanks and yes, I have a mix of equities and gov bonds. Within the equities I'm also diversified across regions and sectors, some growth, some value. Plus some gold ETF for good measure!

[@adrianl5899]

​@@stevegeekSounds like you've a plan along the lines I intend to have.

[@ChrisShawUK]

Yep, we pretty much have exactly the same strategy... Except I aim for 4 years cash, not three (I'm currently on 2.7 so will top that up this year at some point). A tip on draw down which I started last October when I was 55. I have decided to take 16k pa tax free until state pension at 67 (ufplus with 25% tax free and the remaining within personal allowance) When it gets paid, it's on a month 1 basis, so you are taxed as if you earn £144k. So £4k is deducted. You can claim this back by filling out a p55 form on paper (!) and sending it to Newcastle. They then refund this back to your bank account in about 7-8 weeks after.

[@adrianl5899]

@@ChrisShawUK in the absence of other income, withdrawing £16,760 tax-free prior to SP commencement can be a good strategy indeed. To avoid having the emergency tax code created, some people withdraw a small amount as their initial withdrawal to get a normal tax code attached to the pension payments, thus avoiding having to spend time on claiming back withheld taxes.

[@toomuchpaving]

Interesting how your videos are themed around the S&P500. I guess if you were vlogging in 1990, 2000, or 2010 it would have been the same theme. Experience will be your teacher.

[@TobyNewbatt]

The US stock market is the largest in the world and has the most available data. Not investing int he largest equity market would be a very dumb idea :)

[@Tomclarkdeathshred]

I agree on the pound cost averaging in despite the market, but I do have a question. For you personally (not me!) if you had £450-500k sitting in your business account and you’re currently only doing monthly investing of £1500, but want to do something bigger like invest a few hundred thousands in index funds, would you do it despite the potential crash? That is keeping in mind there would be at least 150k in cash saving account or float in business account?

[@ChrisShawUK]

If you have 450-500k in your business account, then invest it back into your business, not someone else's. You clearly have a cash generating business ... Keep doing more of that

[@Tomclarkdeathshred]

@@ChrisShawUK thanks Chris… I am investing back into content for the site to generate more business but I can’t help but feel fomo that I am not investing in the index funds more aggressively. It’s just that I fear the 20-50% drops would be too much for my emotions if I go for this.

[@ChrisShawUK]

@@Tomclarkdeathshred it seems complicated to consider investing in securities inside your own business. What happens if your business needs a cash call ? You'd have to sell at that moment, regardless of market conditions. Whether it's £1500 or £150000, it should be money that you don't expect to access for 20+ years. Then it doesn't really matter if the market falls 40% in the short term

[@gijskerkvliet3192]

Now that the market is quite high as someone that just started to invest should I wait for the market to crash or just start invest now in ETF's?

[@larsenb4803]

No one knows when the next crash is going to happen, that's the problem. It could be ten years away

[@anterosLondon]

I can’t wait for a bigger crash, so I can buy cheaper for a while, saying that not near retirement but if I would be I would have already moved to bonds anyways. Yes, crash hurts the soul but long term cheaper buys will give better returns.

[@stevegeek]

If you retire and move all your pension to bonds, will you get enough growth to last you in retirement? I just retired, so this is a topic close to my heart! 🙂

[@anterosLondon]

@@stevegeek Hi Steve, i am not an expert as our much loved Toby is however I would say the growth should happen before you retire and the bonds is really a safe way to keep your money in your pension without taking it out in one go and pay the highest tax possible whatever that will be. If you decide to retire much earlier than 68 I personally would still keep most of it in equities but for normal retirement bonds are safer, saying that each with its own risk appetite and financial situation.

[@valdbagina79]

We are at exactly the same point in the charts as we were after the roaring 20’s before the Great Depression. A very high risk point in the markets

[@kristoffscuba5466]

For most working people who are investing regularly, dollar cost averaging is the way to do it. Buy index funds based on sectors you like and don’t worry about the movement in the markets month to month.

[@TobyNewbatt]

this is the way.

[@ChrisShawUK]

Index funds are not sector based (maybe you're mixing them with ETFs?) Index funds are based on markets and track externally defined formulaic indices (e.g. FTSE 100, FTSE 250, s&p500 etc) I wouldn't even call the dow Jones an index (although I'm sure lots of people do). The constituents of the dow are not determined by a formula .... They are decided by a bunch of dudes.

[@geolykos]

I made the mistake of starting to invest in 2020 and trusting investment advisor sites like the Motley Fool. If I trusted my judgement and only invested in companies I know and like I would have been very green now. Instead Im barely after following my own advice in 2022 & 2023

[@boydsummerhays322]

I had one of my finest years financially in 2023, despite the fact that many others has a chaotic year. a $40K investment yielded almost $300K. My financial advisor set up some criteria, which I followed, and the results were good. Stock investing is what I would suggest to anyone wishing to invest extra money and earn passive income.

[@boydsummerhays322]

JANET SANTA SHERRY maintains an online presence. Just make a simple search for her name online.

[@JimBomBim]

“Buy gold and guns!” Nicked from Boomerang.

[@markrobinson320]

Toby I am an old investor just starting with a SIPP, I am anticipating a market correction in shares, so would it be sensible to put my £60k SIPP contribution into a bond fund. I would want to start withdrawing out of my investments in 10 years from now.

[@mixerman8]

Great vid Toby, my advice from investing experience is keep it simple and stay globaly diversified but be ready to capitalise when the opportunity prevails. My game plan is to stay well diversified with 10% hedging be it bonds or a gold etf, never stop investing monthly, but when the next 25% drop occurs in say the nasdaq or sp500 etc rotate out including the safe hedging and go all in in a couple of indices that have crashed way down, ride them up for a year then diversify again ;]. Every crash is immediately followed next year with a bull run.

[@lluke18]

I’m cost dollar averaging 50% of my investment money and 50% and 6% savings account if the market drops or is going down I’ll increase the amount

[@aj-by4nc]

What if like japanese market it stays flat for decades

[@TobyNewbatt]

I invest globally. That’s why you diversify. Also you can’t compare the US market to Japan it’s totally different.

[@coderider3022]

Spends 10-20% of the time pushing new highs.

[@Chanesmyname]

If people are buying stocks and shares as a get rich quick they may find a very rude awakening. Buy well and think of minimum five years, better 10 or 20 and do not tinker with them, that’s the best advice I got years ago. As for market dips, I don’t look. :)

[@Zeus_1983]

How much to you invest each month?

[@TobyNewbatt]

at the moment £1,000 and you can follow me on my portfolio updates which I do regularly

[@Zeus_1983]

@@TobyNewbatt what's your profession/day job?

[@TobyNewbatt]

@@Zeus_1983 This is my full time job :)

[@Zizo8182]

8:59

[@pistopitpit]

While cumulating, stock market downturn should be welcomed. The bigger the better. It is difficult emotionally mainly for those who are not good with maths. This is my fear scenario: the market goes nowhere for the next 20 years. Even most faithful investors could throw the towel. Still, investing is the best we can do for future selves.

[@simoncook1325]

Invest in a SIPP then you cant touch it until mid 50s.im 55 next week but 20 years ago would have withdrawn all if i could just to spend on crap.Really pleased i couldn't now

[@ChrisShawUK]

Agree that SIPPs are the best long term investment vehicle we have. For lots of reasons including the accessibility. Selling and withdrawing are two different concepts though. You can still sell your holdings within a SIPP at any age. They just can't be withdrawn. So you still need temperament when managing your sipp through choppy times.

[@stewillo86]

I do wonder about my NASDAQ 100 as its currently up by 52% Do I cash in and inject that profit into my other ETF's or just hope it will continue to rise?

[@jillybe1873]

Difficult because it is overpriced but people have hopes in AI

[@stewillo86]

That's why I went with it in the first place. Tech just seems to be progressing faster than everything else.

[@thedustcart]

If you can afford to in a crash…….BUY MORE. I’ve been doing just that since March 2020. Made 40%

[@jillybe1873]

If the stocks fall, I'm buying

[@TobyNewbatt]

:)

[@Andygb78]

With a core portfolio of index fund ETFs, I'm going to follow John Bogle's advice "Don't do something, just stand there." But I might be tempted to add a bit more into my existing ETFs at a discount price.

[@TobyNewbatt]

100% Andy and that's my philosophy to :)

[@fifis101]

5 months when I first started investing I thought I'd come in at the wrong time also becuase everything was heading down soon after. It wasn't too much longer that it started to rebound back up and I started feeling better again.

[@TobyNewbatt]

welcome to the stock market :P

[@timlodge8267]

Toby I want serious market correction in the S&P 500 I would fill my boots.

[@TobyNewbatt]

Haha yes! That would be nice!!!! Easier said than done for most but we have to hold the stomach!

[@ChrisShawUK]

People who wait to fill their boots usually end up with empty boots. I don't know anyone who says "I'd be wealthier if I had put off investing until later"

[@timlodge8267]

@@ChrisShawUK I have got a lot of defensive stocks Chris that I need to diversify so I will sell them and buy the S&P 500, I was holding 120 shares in the S&P 500 but sold them in November as the price was very high I got a very good return just looking for some correction.

[@ChrisShawUK]

@@timlodge8267 yeah, market timing is tough. I traded stocks briefly in 2004, but I realised I didn't really have any information that would give me an edge. I gave up after that. I just buy units in index funds when I had spare money and forget about it.

[@larsenb4803]

Check out at a high price, wait for the market to fall and check back in. Sounds clever but history suggests that strategy is flawed.

[@kaxar6954]

I regret not getting in the market at the drop in 2020. Just patiently waiting for another drop to dump a lump sum in the market. Funny how the FTSE 100 hasn't gone up or down in 20 years. 🤣 Just gentle rolling.

[@Andygb78]

The FTSE 100 is just steady away because of the nature of the companies in it. No tech or growth companies, mostly just pharma, financials, utilities & consumer staples. It behaves in a similar way to how a blue chip defensive company stock in those sectors would.

[@adrianl5899]

In the 20 years to 2020, the graph would look pretty flat but for investors reinvesting dividends, it would be up >120%.

[@kaxar6954]

@@adrianl5899 Yep.

[@conorkelly-xt3vn]

Honestly the best form of investment within the stock market in my opinion.

[@mattquantrill101]

Wonderful summary Toby! I'd buy into your onlyfans 😂 not to see the goods, just as a small way of saying thanks for all of the financial knowledge 👊

[@TobyNewbatt]

just for you Matt XD....

[@broersverband7586]

the stockmarket cant crash ever as soon ther is a dip the FED prints a trillion dollars and buy it back up again

[@tauronval1404]

Market all time high? Market make thousands of all time highs 😅n the last 150 years! PAC! It’s difficult to pick high and low levels, look what happen in 2023!👍🏻…

[@TobyNewbatt]

Exactly this. Its so easy to say it’s too expensive but if you take that view you’ll always miss out

[@turner1622]

Oops, meant stuff. 😊

[@TobyNewbatt]

😂

[@DocNick68]

“The only function of economic forecasting is to make astrology look respectable" JK Galbraith

[@user-hn6wn6tp1r]

🌈🌈🌈I let me emotions get the better of me when I withdrew from my retirement account prematurely. This time around my emotions are going to put in great use by me making tons of money over the long term.🌈🌈🌈

[@PrezidentHughes]

I'm thinking of pulling out the cash out of my Vanguard Life Strategy 100 now and then wait until the correction to put it in my Vanguard Global All Cap.

[@darrenthayre6666]

Great video, thank you 🙏