Let’s discuss the current market drop, a warning to investors, and how to prepare moving forward – Enjoy! Add me on Instagram: GPStephan | GET MY WEEKLY NEWSLETTER: https://grahamstephan.com/newsletter
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HOW TO PREPARE FOR A MARKET DROP:
ONE: ALWAYS keep a 3-6 month emergency fund at all times.
I know I sound like a broken record when I say this NONSTOP, but it’s true – having 3-6 months worth of your expenses, saved up, in cash – at all times, is one of the easiest things you can do to make sure you’ll last through a stock market drop.
TWO: DIVERSIFY your investments throughout AS MANY DIFFERENT INDUSTRIES AS POSSIBLE.
That way, should ONE market fall…the others should be enough to offset that. And if the ENTIRE market falls…I’ve still got 20% in cash, on the sidelines, to keep buying in…even if my income drops.
THREE: KEEP BUYING IN.
Study after study show that the best thing you can do is just STICK TO YOUR PLAN, KEEP BUYING THE ENTIRE MARKET, and HOLD.
FOUR: DON’T PANIC SELL.
What I’ve seen SO MANY TIMES, is that the psychology that pushes you to sell because your investment is dropping…is going to be the same psychology that will hold you BACK when the market starts going up.
FIVE: KEEP A STEADY INCOME.
The WORST CASE SCENARIO isn’t just that the market drops…it’s that it falls, DURING A TIME that you lose your job and need to sell those investments to stay afloat. An emergency fund could hold you over 3-6 months while – hopefully – the market recovers – but, if it doesn’t – you want to make sure you have SOME consistent income to either continue buying in, OR – to pay your living expenses so you don’t have to sell during a time where everything is down.
SIX: KEEP MORE CASH
I’ll admit, statistically – this is NOT what you should be doing, and more often than not, investing your money all at once in the market will yield the best results – BUT, if you want to play it safe, and value peace of mind…keeping MORE cash on the sidelines is a way to do that.
SEVEN: STAY OUT OF MARGIN DEBT AND LEVERAGE.
I think it’s pretty safe to say, you’re playing with fire if you’re borrowing money to invest in the stock market, cryptocurrency, or any other speculative, short term asset. The ONLY EXCEPTION would be a “low interest” mortgage on a cash-flowing rental property that you intend to keep long term…but, besides that…stay out of debt, at all costs.
EIGHT: If you NEED this money in the next 3-5 years – it’s probably not a good idea to invest it.
A few years is not long enough to ensure that you’ll actually make money, and – as we’ve seen – there have been PLENTY OF TIMES throughout history where the market takes almost a DECADE to recover – so, the shorter your investment timeframe is – the less likely you should be invested in something that could drop in price.
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index funds for rich people with tons of money
Great video. A lot of hissing from the mic in the back ground
Honest thoughts: stories are becoming repetitive. Same outline with what I’m assuming are only slightly lower views, if that. Let’s do some history shows to get rid of the gloom.
Every time I see a thumbnail you upset
You can’t say the house is on fire every day and expect us not to ignore you when it is
every video this guy posts is clickbait man probably going broke so need them extra views 😂
I was up 60% all time towards the beginning of the year. Now I am down almost 70% all time at the time of writing. Im still buying in consistently hoping that when the market does go up again, I will recover more easily.
“Develop success from failures. Discouragement and failure are two of the surest stepping stones to success.” -Dale Carnegie
Am I the only one who likes these videos but feels like the headlines and thumbnails are a little too fear-mongering? Legit gives me anxiety seeing video after video of depressed looking Graham with paranoid titles telling me the skys falling every day
So could I catch up for years of not investing if I buy big now?
F hate your thumbnails pics … not clicking again on your Armageddon energy
inflation?
I was told this one. “It’s time in the market, not timing the market”
Funniest video to date! Bravo! Let’s all take a round trip together!
I’m down $250,000 in the last few weeks, but I will keep my eye on the longterm and continue to DCA into index funds. I’m also cutting down on unnecessary expenses and selling off some of my vehicles just to build up my cash position. As a motorcycle enthusiast, it’s annoying to sell off some of the bikes you enjoy, but I also see it as an opportunity cost. If I don’t invest now, I will simply miss on the gains in the longterm. Material possessions aren’t worth that missed opportunity. Stay strong everyone!
Awesome comment man
Best hedge against inflation or recession is making YouTube videos and earning from ads!
Biden did a fantastic job. He doesn’t just rob you in broad day light but your investment portfolio too
Hi Graham. Is the dinosaur skull a replica? It’s awesome. Thanks!
Is cash really losing value to inflation if you want to hold it to buy market dips? MeetKevin thinks otherwise.
Biggest hand talker ever. Settle them things down 😂
………”Because they invest naked”
Missed a good one there.
“Be fearful when others are greedy, and greedy when others are fearful”
What a truly amazing quote
crazy, I literally read this right when he said it lol.
Well greed always ends in fear
Push Me Pull Me = Inflation + Recession = Deflation
I’m down nearly $600 to $700 still holding
LoL I’m in a financial cult and the mantra goes
EMERGENCY FUND
EMERGENCY FUND
EMERGENCY FUND
DONT SELL WOOO
BUY THE DIP
Keep buying? All they way to the bottom? Ya right!
Honestly Graham, I hardly ever watch your videos anymore because these tips are already engraved in my brain. Just going to keep buying index funds and not looking at my investments as I have been.🙃
Checking in on you. miss and love your content. ❤️You inspire my channel Goldengurl10✨ just good ole silly videos😄
I’ve already hit rock bottom after losing my entire savings in 2019 doing YOLO day trades. I’m ready for anything now.
My mom lost over half her retirement saving this week and she’s retiring soon. She had enough to retire, now she doesn’t. Over half a million dollars gone in a few days.
That’s crazy! What was she invested in?
Oh no 😨😰
Riches are ABSOLUTELY made in recessions
“Chaos is a ladder” – little finger
if gram was prez we would be chillin
For those with a lot of liquid assets, this will be a good time for them to buy up at a discount while everyone is trying to sell in order make ends meet.
Thoughts on Celsius?
I’m so glad I never took a position, I’m buying all the stocks up right now lol
Didn’t finish the video. But I’m gonna guess he said dollar cost averaging.
i’m 17, and plan on investing within the first year of my 18th birthday. Any suggestions or advice?
The only thing worse than a bear market is a bare market
Everybody that didnt vote Democrat knew it would get this bad. Only Democrats were so ignorant. And led the country down this dark path. Rome all over again. Sigh…
2022 will determine 2024. Lets hope people get their head out of the sand soon.
ftx promo doesn’t work 🙁
In this market all of your diversification areas will be affected. 30% this, 30% that…Wishful strategy. Good try but only time will heal these wounds.
Thanks for the warning, fortunately it will not affect me because I only use Cryptocurrency for work, and it is only growing in value.
The markets are crashing get out run for the hills
Graham!! Question here!! (Or for anyone really) What is your thoughts/view on the past week, and the MASSIVE gains/surges we have seen with MANY altcoins..? Example, Aventus did like 300%+ the other day, and I also lucked out and timed UNIFI DAO Protocol bought in at ~$3, sold it all off once it hit $42 that SAME DAY. Actually, only in hours!!! Yes, a +4000% ROI in hours…. many others have been doing 20, 30, up to 100% in 24 hours. Is there any explanation for this??
Guys who are holding for long search for NEKKEI 😂
Just kidding but check his video about differences
Let’s not forget that inflation, the fake one, is out of control, so even if the economy recovers are we sure the money that “growed” is relevant a decade from now based on new inflation?
Hmm alright, Im not even at the 1st point of emergency fund.
I have 25 apple and 25 amazon what other industry should i get stocks in?
Spot on!!!!
All this thing getting complicated for me 🙂
Thx
I’m mystified at panicked voices. I remember gas prices in 1973 going to $1.00 per gallon or about $7.00 by today’s prices. I recall interest rates topping 17%. My grandmother remembers actual starvation in the depression. A .75 rise in interest rates is hardly cause for panic.
You should be getting 5mil views yt algorithm sucks.
Graham didn’t you have a video saying you were out of the market though lol
Thank you for reminding me to calm down. I was getting very nervous with my losses but this time can be taken advantage of, when done properly.
Keep making awesome videos man!! THANKS!
This take is ignorant of the number of workers available and to come. They need to generate money for you, if you invest. And there are not that many young people incoming.
I am going all in !! Wish a homie luck !!! ✌🏽🙏🏼
Jack dude chill on the Angel sound lol
WTF does diversification mean when EVERYTHING that the small investor can afford is falling?… At this point all it means is you are diversifying your losses.
Too much hands
Graham: cut back on unnecessary spending…
Also Graham: Buys a Ford GT
Having an emergency fund is something I always knew I needed, but never did, since at least one portion of my portfolio has always been in the green.
I now understand that I had messed up lol.
I hope bitcoin goes to zero. SO i can buy GPU’s again on release.
Question for you financial experts.. Moving out of state in 2yrs. Do we sell now?? Rate of 2.75. Owe 184k.. could sell for 440k. Do we pull equity out and rent? Thanks so much for any wisdom!!
Great advice as always. Your videos keep people’s mental health in check in midst of financial chaos that has been goin on
Graham I just noticed how much you talk with your hands and now I can’t unsee it.
Question- why do all of you “millennial money” guys have the same 😰 thumbnails for every video? It’s wild
What’s up with all these effing clickbait thumbnails?
is it a good idea to only invest in the s&p 500 or should i consider other option if yes which?
Yo graham slow down a bit for fucks sake
Graham..What Do you think about MASTERWORK art invest
is Telsa a good/safe hold or should i sell for profit
This is an old video
Buy Bitcoin, a hedge against inflation, going to 100K…..???
⬆️⬆️ let’s talk
No sponsored segment in a Graham video? I must like the video and post a comment as a thank you – definitely keep taking paid sponsorships but I always appreciate a non-sponsored video!
on a serious note, this video was great. keep sharing your knowledge and experience!
Thanks Stephen 😊 for taking care of us
A serious warning to all investors…… don’t take advice from talking heads on YouTube who don’t know you and are getting paid for views not their opinions on video. Know what works best for you, not what youtube tells you.
ah thanks!
Thanks Graham gray sayit all
We’re all F’d man! WWIII will be declared when China invades Taiwan.
You lost all that money, you are not getting it back, no matter how you look at it “in the long term the market always goes up” yah tell that to the people looking to retire. all that money is GONE.
… okay, heres a left field question, what kind of watch are you wearing in this video? Best i can tell is its a Zenith. I just cant tell which one.
He says the same thing each time.
Great video, rumor has been going around about a few stocks expected to quadruple as much as Tesla, any idea which stocks these are? I got in a little late on Tesla and I wouldn’t want to miss out on this opportunity.
Woooo I’m glad I diversified and bought S&P at record highs. Made like $100 profit before losing 20%. Learning lessons is fun…
I’m hoping that I can buy low and that it will go back up somewhat soon.
⬆️⬆️ let’s talk I got something profitable for you
classic clickbait title stock boy youtubers are also at an all time lows
⬆️⬆️ let’s talk.
This is why I said everyone should be ready for the worst situation financially because I see no reason why I should put all my money in the bank where it’s not safe.
Hey I’m a beginner and I understand the market crash is the perfect time to make money, but how are some investors able to double there profit within a short period of time, a particular investor made up to $350,000 from trading about $100,000 within a couple of months, do they stand a better chance than others?
@Oscar Kelly They don’t stand a better chance, they only did their homework and proper research.
@Oscar Kelly All you need is expert debbie ramirez now else you will continue making losses.
The Decentralization of Finance is really good for humanity
Currently in this phase of life. Bitcoin is already making legitimate and profitable way for investment.
Venturing into the trading world without the help of a professional trader and expecting profits is like turning water into wine, you would need a miracle, that’s why i trade with mrs Eva heather, her trading skills set is exceptional.
⬆️⬆️⬆️ let’s talk I got something profitable for you
What broad index funds does graham refer too that he invests in?
the Nikkei225 is maybe since 40 years under water, if you “buy and hold” you would need to be ready to have good nerves and get maybe 500 years old.
Tampon Shortage?
Get in touch now 👆…
Wow! This was a FANTASTIC video, Graham! I had forgotten about some of these strategies and tactics, and I am going to keep them in mind over these next few weeks!!!