Is it advisable for me to hold on to my savings until a stock market crash to invest?

Good theory, but we are unable to time the market to know when is the true market crash.

That aside, I do feel if you are able to do that why not? However you will be psychologically pressured of being labelled as a fool because the stock market is enjoying good times now. You will need to withstand the psychological burden and have the mental fortitude to sit around and do nothing for years

Before you start investing, it will be best to understand your objective. Here are some questions to help you:

1. What is your capital?

2. How will you want to invest your capital? E.g. lump sum or an amount on a regular basis

3. How long will you want to stay invested? E.g. 10 years

4. What is your risk appetite? E.g. How do you feel about short-term volatility?

5. What is your objective for investing?

To determine if the market condition is favourable to invest, the question will be: Is there a right time to invest?

Accordingly, I have compiled a list of financial crisis and disasters since the 90s and every other strong reasons not to invest. However, the market has proven otherwise year after year.

Therefore, focus with the right investment strategy by knowing your investment objective. Then decide the tenure and decide if a lump sum or smaller amount works. Finally, invest into assets that suits your risk appetite.

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