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Market volatility can be nerve-wracking, especially when large crashes occur.
While some may be excited by the chance to find a rare opportunity, most investors are more concerned about steadying the boat and minimising their losses.
A move to cash in that situation sounds safe and familiar.
But when? Are we about to see a bounce back, or is there still a long way down?
And for how long? When are things going to improve? When do you feel comfortable to go back in?
Timing the market is hard. No one has the answers when it comes to the current crisis. But we do know what happened in the last one.
Let’s go back to 2009 as an example, and the approach of two different investors.
|7IM Balanced Fund C Acc in GB||7IM Balanced Fund moved to cash from 01/03/2009 for 12 months and again 23/03/2020 TR in GB cumulative|
|31/03/2019 to 31/03/2020||-7.61||-12.38|
|31/03/2018 to 31/03/2019||-0.1||-0.1|
|31/03/2017 to 31/03/2018||1.16||1.16|
|31/03/2016 to 31/03/2017||14.35||14.35|
|31/03/2015 to 31/03/2016||-7.12||-7.12|
|31/03/2014 to 31/03/2015||12.76||12.76|
|31/03/2013 to 31/03/2014||5.64||5.64|
|31/03/2012 to 31/03/2013||10.66||10.66|
|31/03/2011 to 31/03/2012||-0.8||-0.8|
|31/03/2010 to 31/03/2011||5.55||5.55|
We don’t know what is coming next. No one does.
But one of the keys to managing money in times of great uncertainty is to keep our emotions in check. We are long-term investors, committed to our long-term goals and objectives. We stand by our belief that a well-diversified portfolio is key.
The performance for Investor A is the actual past performance of the 7IM Balanced Fund. The performance for Investor B is simulated past performance using both cash and the 7IM Balanced Fund. Neither simulated nor actual past performance is a guide to future performance. Investment in these funds is not suitable for everybody; The specific details of the funds including investment policy, charges and the particular risks associated with the funds are explained in the Key Investor Information Documentation (KIIDs) – these are available via the 7IM website.