Help! I fear losing all my money

  • 02 April 2020
  • 10 mins

The values of investments have varied markedly in the last twelve months, leaving many worried about their hard-earned savings. It is at times like this that many are tempted to cash in and sit it out on the sidelines until they judge it a more appropriate time to invest. But we would advise caution and patience.

Since the outbreak of the Covid19 pandemic, countries, cities, towns and businesses have had to close. Reduced production, wages and trade have led to the global economy slowing dramatically.

Look to the longer term

Rather than fret about short-term performance, we believe it is better to focus on the longer-term opportunities. After all, investments should be held for at least five years.

One of the dangers of cashing in and sitting it out is it is notoriously difficult to predict how stock markets are likely to move over the shorter term. Markets can turn very quickly and these turning points are nearly impossible to predict.

Forecasts of future performance are not a reliable guide to actual results in the future; neither is past performance a reliable indicator of future results. The value of investments, and the income from them, may fall as well as rise and cannot be guaranteed and the investor might not get back their initial investment,

Important information

Any views expressed are our in-house views as at the time of publishing.

This content may not be used, copied, quoted, circulated or otherwise disclosed (in whole or in part) without our prior written consent.

Fees and charges apply at Schroders Personal Wealth.

In preparing this article we have used third party sources which we believe to be true and accurate as at the date of writing. However, we can give no assurances or warranty regarding the accuracy, currency or applicability of any of the content in relation to specific situations and particular circumstances.

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