Would you recommend that a new investor go into the market now? I've heard rumblings of an "overdue" recession since we've had a long bull run. And if yes, what sort of portfolio would you recommend, assuming a recession might hit us soonish? - Seedly
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Martin Loh

Asked on 09 Jul 2018

Would you recommend that a new investor go into the market now? I've heard rumblings of an "overdue" recession since we've had a long bull run. And if yes, what sort of portfolio would you recommend, assuming a recession might hit us soonish?

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Randall Tan
Randall Tan
Level 6. Master
Updated on 07 Jun 2019

'Hearsay is not a proof. Feelings are not evidence. Story are not data. A Hypothesis is not a theory'

Always remember,

  • Time in the market and not timing the market

  • Past performance is not an indicator of future outcomes

  • Do your own due diligence

Personally, I followed the 110 - Age theory. This article may help you.

https://blog.seedly.sg/age-risk-profile-investment-to-hold/

Recession = Market on sales. So what do people do?

“Fearful when others are greedy and greedy when others are fearful.” Warren Buffett

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Randall Tan
Randall Tan

11 Jul 2018

The only issue is nobody know when it will hit. Could be this year, could be next few years. Do you want to sit around and wait? going into fixed income and gold comes with a certain risk too. For example, gold price is purely determine by supply and demand. How do you know if you enter at the right price? You can try less risky products like Singapore Savings Bonds or if you are paying tax, how about reducing your tax by topping up CPF under Retirement Sum Top-Up (RSTU)? But if you really want to hold on to cash, i would recommend SSB. At least the cash gain some petty interests to counter inflation. Cheers!
Martin Loh
Martin Loh

11 Jul 2018

Cool, thank you for your input. Much appreciated!
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Frankie Rappaport
Frankie Rappaport
Top Contributor

Top Contributor (Aug)

Level 9. God of Wisdom
Answered on 09 Feb 2020

There is no "now", only a "regularly" for serious longterm investing (cost averaging, ultra longterm Buy&Hold)

more on my thinking: https://seedly.sg/questions/what-is-your-general-investing-philosophy-strategy

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Wilson Nid A Break
Wilson Nid A Break
Level 9. God of Wisdom
Answered on 25 Dec 2019

1.5 year had passed since this question popped up, and S&P 500 had keep printed record highs upto the xmas of 2019. As long you invest in the right index, time in market in general better than timing the market

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