You can’t time the market

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Successful long-term investing starts with an investment plan you can stick to so you invest systematically regardless of whether markets are up or down.

Investors talk about aiming to “buy low, sell high”, but executing that strategy can prove a challenge to even the most seasoned investors.

Media have become adept at churning out short-sighted news flow that synchronise perfectly with the latest beat of the market, but they’re consistently leaving out the bigger economic picture. When it didn’t seem as though it could happen, the world of investing has become even noisier than it was last year. Look at the last few months: suddenly, the doom and gloom that plagued markets in the final quarter of 2018 disappeared, and stock markets around the world made big U-turns and remarkably outperformed last month.

In addition, a global portfolio should have a sufficient amount of exposure to funding currencies, such as the US Dollar, Japanese Yen, and the Swiss Franc. But, inflation-adjusted growth is not useful for predicting market corrections, which are sudden and rapid declines in the stock markets of between 10% and 19.9%. Corrections are unpredictable and not driven by fundamental economic causes.

So, let the markets go up and down, but keep investing consistently without reacting to headlines. Unless the economic numbers confirm a recession , it is too late for investors to be bearish at this point in time.To do well in the medium and long term, we must learn how to control our FOMO and to rein in our inner fight-or-flight response. And it starts with having an investment plan.

 

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