facebookAm I doing the right thing to sleep on my 100K in savings until stocks and a real stock market crash to invest? - Seedly

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Anonymous

18 Apr 2019

βˆ™

General Investing

Am I doing the right thing to sleep on my 100K in savings until stocks and a real stock market crash to invest?

Everyone says a stock crash is coming. Should I just wait for it to happen?

Discussion (9)

What are your thoughts?

Soon Xiaohui

Soon Xiaohui

28 Aug 2018

Level 6Β·Analyst at Common Place

I feel it's totally alright. While in the mean time, do educate yourself more on how to build your portfolio, selecting the right stocks for your portfolio, etc and learn how to control your emotions while doing investment on your own.

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But here is a tip for ya, even when the stock market crash, please avoid putting everything in at one go. This is a typical gambler behavior, not investor behaviour. How to be a investor - you gotten do some homework first before any investment. Therefore do take the current opportunity to do your homework first, when the time has arrived then slowly excute your plan.

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Good luck on your investment journey :)

I think this is a question of rebalancing your portfolio.

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Here's how i split my holdings:

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Equity (Stock market) - Currently the highest because it is still at the tail end of the up market. I'm also trading in and out (for US stocks) instead of holding long term since the "crash" might come soon.

Bond (SSB / CPF) - Relatively safe, dont have SSB but treating my CPF as my bond portion

Cash - In a high interest rate savings account (DBS multiplier)

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You can rebalance the % of the holdings based on how soon you think the "crash" is coming. If you think it's this week, then maybe reduce the equity holding and put more into bond / cash. :)

Kenneth Lou

Kenneth Lou

29 Aug 2018

Level 14Β·Co-founder at Seedly

Personally believe in 'TIME IN MARKET' vs 'TIMING THE MARKET'

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This is for 3 main reasons:

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