{"id":4385,"date":"2020-03-12T07:48:40","date_gmt":"2020-03-12T07:48:40","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=4385"},"modified":"2020-03-19T04:09:26","modified_gmt":"2020-03-19T04:09:26","slug":"practical-hacks-to-survive-a-market-crash","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/practical-hacks-to-survive-a-market-crash\/","title":{"rendered":"5 practical hacks to survive a market crash!"},"content":{"rendered":"

\"\"<\/p>\n

 <\/p>\n

We are living through a few such weeks which may come to define this decade. And it may continue for some time till a concentrated response is put up against COVID-19. We, at Kuvera, are here to standby and answer your investment-related concerns.<\/p>\n

 <\/p>\n

These are extraordinary times and while markets have retraced 20% or more many times before, the speed with which this retracement has happened is a first. It took S&P 500 a mere 16 sessions to drawdown 20% and enter the bear market territory. Global markets are spooked and so are the Indian equity market. However, as we have seen many times before, human and economic resilience is immense and sooner or later markets do bounce back to reflect the constant march of progress.<\/p>\n

 <\/p>\n

Surprisingly for an individual investor, what works in peacetime also works in times of distress. I started working and investing during the cot com bubble and was trading CDS during the great financial crisis. Below are 5 lessons I have learnt to keep one\u2019s personal investing simple. Simplicity matters, because just as in dieting, it is better to follow a diet you can follow for decades than one that requires extraordinary effort for immediate but fleeting benefits.<\/p>\n

 <\/p>\n

Let’s start with the biggest one. What should an investor do now?<\/p>\n

Here is a quick list of practical advice we have learned by living through the dot com bust and the great financial crisis.<\/p>\n

No\u00a0gyan<\/em><\/strong> only simple actionable steps.<\/p>\n

 <\/p>\n

1\/<\/strong>\u00a0Stick to your asset allocation<\/a><\/strong>\u00a0and rebalance if it gets off by 5%. We will send reminders when that happens. In a crash, you will sell your debt and add equity. It may appear counter-intuitive but it is not. You are buying more equity as it falls.<\/p>\n

 <\/p>\n

2\/<\/strong>\u00a0Track your wealth<\/strong>\u00a0and not just\u00a0your portfolio. The average Mutual Fund account on Kuvera is worth Rs 10.6 lakhs. The average\u00a0EPF<\/a>\u00a0account is Rs 10.4 lakhs and\u00a0the average\u00a0gold<\/a>\u00a0account\u00a0is Rs 6.2 lakhs. At a wealth level, last months ~20% decline in Equity Mutual Funds\u00a0is still only a 5% decline in average wealth as gold has rallied.<\/p>\n

 <\/p>\n

3\/<\/strong>\u00a0Postpone all decisions by 2 days.<\/strong>\u00a0Say you are itching to buy or sell or stop a SIP or increase your SIP. Write the decision down and revisit it in two days. You will make better decisions.<\/p>\n

 <\/p>\n

4\/<\/strong>\u00a0Check your wealth\u00a0once a week.<\/strong>\u00a0Yes, that’s right. The more you check the more you will think you need to do something. Anything. Inaction is not our strength.<\/p>\n

 <\/p>\n

5\/<\/strong>\u00a0If you have itchy hands,\u00a0<\/strong>buy Rs 100 in any index fund. Always buy, always make it a trivial amount. This is my personal favourite. It satisfies my urge to take action without making any difference to my long term outcomes.<\/p>\n

 <\/p>\n

And that’s it. 5 actionable steps.<\/p>\n

 <\/p>\n

If you have learnings\u00a0you want to share, write to me. We will consolidate and publish it for everyone’s benefit.<\/p>\n

 <\/p>\n

Happy investing.<\/p>\n

Gaurav | CEO | kuvera.in<\/p>\n","protected":false},"excerpt":{"rendered":"

  We are living through a few such weeks which may come to define this decade. And it may continue for some time till a concentrated response is put up against COVID-19. We, at Kuvera, are here to standby and answer your investment-related concerns.   These are extraordinary times and while markets have retraced 20% […]<\/p>\n

Read More…<\/a><\/p>\n","protected":false},"author":2,"featured_media":4393,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[91],"tags":[321,320,319],"yoast_head":"\n5 practical hacks to survive a market crash! - Kuvera<\/title>\n<meta name=\"description\" content=\"Kuvera CEO Gaurav writes about practical hacks to survive a crash based on lessons learnt from the dot com bust and the great financial crisis.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/practical-hacks-to-survive-a-market-crash\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 practical hacks to survive a market crash! - Kuvera\" \/>\n<meta property=\"og:description\" content=\"Kuvera CEO Gaurav writes about practical hacks to survive a crash based on lessons learnt from the dot com bust and the great financial crisis.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kuvera.in\/blog\/practical-hacks-to-survive-a-market-crash\/\" \/>\n<meta property=\"og:site_name\" content=\"Kuvera\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kuvera.in\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-12T07:48:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-03-19T04:09:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/03\/Capture-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"531\" \/>\n\t<meta property=\"og:image:height\" content=\"338\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Gaurav Rastogi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:site\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gaurav Rastogi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 practical hacks to survive a market crash! 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