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The question of whether there will be a crash is superfluous. Rather, the question of WHEN there will be a crash makes sense. This is not pessimism and we are not predicting stock market prices. But an intelligent investor deals with the matter and ensures a correct "asset allocation" to be prepared in the event of a correction in the stock market. We would therefore like to use the quote from Warren Buffett as an introduction: The stock market is an excellent means of transferring money from the impatient to the patient.
In this article, we will of course look at how Buffett prepares for a crash. We will also look at the Security of the Swiss franc in a euro crash and the franc as a refuge currency. Whether gold or even cryptocurrencies such as Bitcoin are safe assets in a financial crisis is also examined. If you're still missing something, let us know in the comments!
Nobody likes crash prophets and we don't want to stir up fear here. So one thing in advance: let your blood pressure drop again, because by the end of the article you'll know how you can financial capacity no matter what the next years and decades may bring.
Historically speaking, a recession is long overdue and there are more than enough other reasons for a correction on the stock market. However, we do not want to predict a financial crash in Switzerland in 2023. That there will always be stronger downturns on the financial market in the future is as certain as the Amen in the Church. In this article we will discuss how you can best prepare yourself and ideally even take advantage of a crash.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Those who are prepared for a financial crisis need not fear it, but can even look forward to it. Because the art of investing is to be greedy when others are cautious and to be cautious when others are greedy.
Those who allow themselves to be infected by strong euphoria have to pay expensive prices for their investments and are not infrequently punished with a subsequent price collapse.
But when everyone is shocked and frightened by the crisis and wants to sell their investments at any price, the calm, long-term investor can go shopping for bargains at the "clearance sale". To be prepared, these basic rules make sense:
For citizens of the Eurozone, the question is whether the Swiss franc is safe as a refuge currency in a euro crisis. For the Swiss, the question is whether the franc would also go down if the euro fell. Let's take a look at how the franc is currently coupled to the euro and how the Swiss National Bank (SNB) is set up:
To Doom could, in fact, change the orientation of the Swiss franc to the euro, which the SNB (Swiss National Bank) imposed. The aim was to avoid a further appreciation of the franc after 2008 in order to revive the Swiss economy. To this end, the SNB invested CHF 450 billion in the euro and introduced a negative interest rate of -0.75%. More than 90% of the balance sheet is therefore currently invested in foreign currency investmentswhich puts you at enormous risk. If, for example, the US dollar or the euro were to depreciate or even fall, the SNB would start to fluctuate. Saving money in a Swiss franc crash is no longer recommended since this new financial policy has been in place since 2008.
The SNB's foreign exchange and equity investments are debatable, but the SNB must also be praised. For example, for the fact that it came out of the UBS bank bailout during the last financial crisis in a positive light. But whether such a peg to the euro can remain unscathed in the long term remains to be seen.
However, if you keep the majority of your income in Swiss francs, you should be aware of this fact. Whether you hedge your assets in gold or other investments depends on your personal risk tolerance. Recommendations for asset allocation vary depending on age, personal goals and risk tolerance.
Except for a small update, the this article will be published in December 2019.
A Corona Pandemic was of course just as unpredictable as the takeover of the Credit Suisse by UBS, but a stock market correction does. Your portfolio should therefore always austomized to your personal circumstances be
Those who had not maintained their asset allocation should not now react hastily and make mistakes. There are several scenarios for the further course of the crisis and the financial markets! We recommend to stay calm, to think about it and to act rationally only after you have gained an overview.
Make sure that your Return Risk Ratio is within the scope.
Reviews and crashes are simply part of the financial market. You don't have to be paranoid about it, but if you're unprepared, it's your own fault. Since 2008, the Swiss National Bank has been pursuing a new currency strategy and investing heavily in foreign currencies and strongly in the euro. If you want to protect yourself against a euro crisis and save your money in a crash, you should not exclusively bet on the Swiss franc. After all, the peg to the euro could also put pressure on the franc in such a scenario. As always: Not to put all your eggs in one basket. Physical gold, different currencies, Bonds or tangible assets can help to spread the risk.
Studies clearly show that one should not time the market. So the best way to drive is to broadly diversified and regularly invested in the index. Then you can sleep peacefully, don't have to be afraid of a crash and take a good return with you. You can find out how this works in this article.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports: