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Things don’t always go as planned, especially in the case of investments. While you may be aiming for uninterrupted wealth creation - market volatility, inflation, recession, etc., can be a cause for concern, especially in the current global economic climate. However, instead of worrying over these short-term hurdles, you may benefit more by focusing on the bigger picture and thinking long-term.
Here are some investment Approach that can help you if and when the market falls.
Diversify your portfolio
Diversification refers to the classic adage of not putting all your eggs in one basket. When you diversify your portfolio, you distribute your money across various asset classes, market capitalisations, industries, and sectors. The profit made by another compensates for the loss in one investment.
The COVID-19 pandemic offers a strong example: the tourism industry was the worst hit, including hotels, airlines, cabs, and more. However, consumer goods and pharmaceuticals were in high demand. Thus, investors with diversified portfolios suffered fewer losses than those who had only invested in one sector.
Avoid panic selling
One of the biggest mistakes you can make during a market crash is to sell your investments out of panic. When the prices start to plummet, many investors want to get rid of their investments to avoid further loss. However, it is wiser to wait if the fundamentals of your portfolio of stocks are strong. The market works cyclically: a bull market will eventually replace a bear market. Keeping a long-term approach and avoiding haste can benefit your overall financial well-being.
Start investing early
There are no best day or month or time to invest. The best time in fact was yesterday and the next best time is now. Investing early helps create desired corpus and also help achieve targeted goals. It also help plan your cash flows and create a compounding impact on your portfolio.
Know your risk appetite
Risk and return go hand and glove. Higher return expectation accompanies higher risk. It is therefore to be clear about the risk of each of the investment products you have invested. Having aware of this helps create portfolio which suits the requirement. Risk averse investors investing in higher risk assets could affect the desired corpus.
To sum it up
These stock market tips can help you lower the impact of low returns to some extent. At this time, it also helps to choose reliable partners and platforms for your investment needs. For instance, the IDFC FIRST Bank Investment Options. For seamless and simplified investing, the bank also provides a 3 in 1 Account – Demat, trading, and savings.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.