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You wonder if now the the right time to invest is? Then this article is just right for you.
In this article you will learn whether now is the right time to invest. And what you should be aware of when making this decision.
A look at the past shows that there are never the right time for the perfect investment.
On the other hand, there is the important rule: Time in the market > timing the market.
Because data shows that timing in investing is Never permanently successful is feasible. Maybe you have a good hand and luck with timing once or twice.
But in the long term, i.e. over a period of 10, 20 or 30 years, no one always has the right investment timing.
Accordingly, it is much more important to invest regularly or to be permanently invested in the stock market. This way you can participate in the long-term growth rates of the companies benefit.
The following graphic from Morningstar shows, for example, the Stock market including major setbacks and all recoveries over the last 70 years.
If someone had a crystal ball, that person would probably be the richest person in the world.
No one can tell you which stocks are worth buying now. Rather, it makes sense, To bet on the broad market and invest passivelyas numerous studies have shown.
If you have an ongoing income, then a savings plan is certainly a very intelligent approach to long-term wealth accumulation.
A monthly investment for example, reduces your decision-making effort and also the amount of time you spend, so that you automatically invest every month by standing order.
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If your broker does not offer a savings plan, you can do this, for example, with a Standing order solve. To do this, you send a certain amount of money to your broker or robo advisor every month and can invest it from there.
A robo advisor the money is even Invest automaticallyas soon as it arrives there. This way, you hardly have to deal with the investments and can concentrate on other issues in your life.
The famous but now deceased André Kostolany said about this: "Buy shares, take sleeping pills and don't look at the papers any more. After many years you will see: You are rich."
The rational, scientific answer to this question is, invest everything immediately. Because, as I said, there is no such thing as the right timing. What matters is that you Long-term in the stock market are invested. Here is a good Fintool video on this topic.
If you are still unsure, you can of course save a larger sum over several weeks, months or perhaps even a few years. Invest distributed. Because at the end of the day, you invest the way you feel comfortable and the way that suits you.
"Intelligent people learn from the mistakes of others".
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We only ever find the right time in retrospect. You should therefore always try to be invested in the stock market as much as possible in order to profit from company profits in the long term.
Sums saved you should theoretically Invest directly and current income, ideally regularly per savings plan to your investments.
This is at least the scientific answer based on historical data. But can the future always be predicted from history?
And is the scientific answer always the one that suits you?
You decide which investment suits you and which shares are worth buying now. Feel free to share your personal approach in the comments.
Further tips for successful long-term wealth accumulation with passive investments you will find here in this post.
2 responses
It's true that the right time to enter the market is always "now", but psychology plays an important role, at least for me. The idea of going "all in" and then losing 20 % of your savings and possibly staying "under water" for a few years is quite a big deal, you have to be able to withstand that (despite all the theory being understood). What efficient options are currently available to a Swiss investor to safely park larger sums? I would be interested in an article on this. I have invested a portion in short-dated (1-2 year) cantonal bonds, but this is not the "yellow of the egg" with interest rates currently rising.
Hello Pneumatikos
Going "all in" sounds more like a casino to me than a sensible investment.
You should always invest the amounts relevant to you with a well thought-out strategy, and in the stock market anyway only the money that you can spare in the long term (+ 10 years).
Despite everything, investing money is of course not psychologically easy for everyone in the beginning. Personally, I started with small amounts and then increased over the years. This way, you can approach it slowly and find the necessary peace to watch your investments grow.
Love!