I think the market is going to crash. How do I protect my money?

eskbanker

baldeagle09 said:

Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that referencing house prices may be sometimes be pertinent to a user's specific MoneySaving situation, we ask that you please refrain from going off-topic into broad, general debates about the housing market, the economy and politics. Threads that are found to have derailed into wider discussions may be removed. Thank you for your understanding.

Perhaps MSE should consider a similar warning for Savings and Investments.

What applies to the housing market, applies equally to Savings and Investments.

While I can see the argument for extending that caveat beyond the house buying board, I don't think it's anything like equal on this one - the state of markets and the wider economy, associated government policies, central bank decisions, etc, all have a much more direct linkage to savings and investments and so to me are fair game for discussion on here, especially if/when confined to a relatively small number of threads where they're at least largely appropriate.

RG2015

baldeagle09 said:

Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that referencing house prices may be sometimes be pertinent to a user's specific MoneySaving situation, we ask that you please refrain from going off-topic into broad, general debates about the housing market, the economy and politics. Threads that are found to have derailed into wider discussions may be removed. Thank you for your understanding.

Perhaps MSE should consider a similar warning for Savings and Investments.

What applies to the housing market, applies equally to Savings and Investments.

Whilst not disagreeing with anything you say here, do you have any official position of authority within MSE?

If so, I would have expected an accreditation within your signature.

If not, I do not see how you can post a message like this with statements like "we understand"  and "we ask you to refrain"

B0bbyEwing

baldeagle09 said:

Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that referencing house prices may be sometimes be pertinent to a user's specific MoneySaving situation, we ask that you please refrain from going off-topic into broad, general debates about the housing market, the economy and politics. Threads that are found to have derailed into wider discussions may be removed. Thank you for your understanding.

Perhaps MSE should consider a similar warning for Savings and Investments.

What applies to the housing market, applies equally to Savings and Investments.

Did someone forget to log back in to their official MSE account?

eskbanker

RG2015 said:

baldeagle09 said:

Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that referencing house prices may be sometimes be pertinent to a user's specific MoneySaving situation, we ask that you please refrain from going off-topic into broad, general debates about the housing market, the economy and politics. Threads that are found to have derailed into wider discussions may be removed. Thank you for your understanding.

Perhaps MSE should consider a similar warning for Savings and Investments.

What applies to the housing market, applies equally to Savings and Investments.

Whilst not disagreeing with anything you say here, do you have any official position of authority within MSE?

If so, I would have expected an accreditation within your signature.

If not, I do not see how you can post a message like this with statements like "we understand"  and "we ask you to refrain"

That poster presumably hasn't figured out how to differentiate quotes, but simply copy/pasted that wording from the red-backed text at the top of https://forums.moneysavingexpert.com/categories/house-buying-renting-selling

RG2015

B0bbyEwing said:

baldeagle09 said:

Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that referencing house prices may be sometimes be pertinent to a user's specific MoneySaving situation, we ask that you please refrain from going off-topic into broad, general debates about the housing market, the economy and politics. Threads that are found to have derailed into wider discussions may be removed. Thank you for your understanding.

Perhaps MSE should consider a similar warning for Savings and Investments.

What applies to the housing market, applies equally to Savings and Investments.

Did someone forget to log back in to their official MSE account?

It is against the rules to have more than One MSE account. 

GSP

Linton said:

You should only hold investments that you wont need to sell for say 10 years.  By that time the price even in a crash could well be higher than the price at the start.

Your post made me think.

We see posts where people say they have only have two or three investments v some that have a more diversified portfolio and 14 investments or more.

Overall, their total funds may be down 20%. But, if the investments have to be sold for income, within that 14 or more investments portfolio, some may be down 5% while the worst may be 50%.

I assume then it’s better to sell the investment down 5% which will result in less of a loss?
And probably more reason why it’s better to have more investments in your portfolio for scenario’s like this v little in the way of investments?

Rollinghome

baldeagle09 said:

Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that referencing house prices may be sometimes be pertinent to a user's specific MoneySaving situation, we ask that you please refrain from going off-topic into broad, general debates about the housing market, the economy and politics. Threads that are found to have derailed into wider discussions may be removed. Thank you for your understanding.

Perhaps MSE should consider a similar warning for Savings and Investments.

What applies to the housing market, applies equally to Savings and Investments.

Your post is off-topic.

If you want to comment on how you believe the boards should be used, there's a Feedback board at the bottom.  You can also ask there for help on posting quotes.

Millyonare

Market goes up = hold shares
Market goes down = hold cash

Prism

Millyonare said:

Market goes up = hold shares
Market goes down = hold cash

Not for me.

Market goes up = hold shares
Market goes down = hold shares
All the time = pick up dividends

Rollinghome

Millyonare said:

Market goes up = hold shares
Market goes down = hold cash

Did you mean that the other way around?