Survival Plan in Market Crash.

Everyone is talking that the market is about to crash. The bubble is about to burst. Foreign investors are going from Indian market and all.

There is one stock market expert name RAY DALIO. Raymond Thomas Dalio (born August 8, 1949) is an American billionaire and hedge fund manager, who has been co-chief investment officer of Bridgewater Associates since 1985. He founded Bridgewater in 1975 in his New York City two-bedroom apartment.

Let's see the RAY DALIO'S INVESTING Strategy – this is in 8 steps

    1.) Keep It Simple

Aim for market-average returns.

Stick to your plan.

    2.) Diversify

Mix stocks, bonds, real estate, and commodities.

Example: 55% bonds, 30% US stocks, 15% commodities.

    3.) Avoid Market Noise

Don't chase the market.

Stick to your strategy.

    4.) Think Long-Term

Compounding needs 20+ years.

$10k/year at 10% = $1.8M in 30 years.

    5.) Delayed Gratification

Patience = long-term gain

    6.) Save Regularly

Start early save consistently

    7.) Live Below

HIS HOLY GRAIL STRATEGY

Spend less than you earn.

    8.) Avoid Over-Switching

Stick to your investments.

Buy for the long haul.

Mr. RAY DALIO always able to survived in every single Crash. The strategy you can copy and survive and win.

But first rule is Prepare before you panic by Crash.

Survival Plan

Step 1 - Cash is your lifeline – Follow the rule of 3-6-12 Rule for emergency funds. (₹3-6 lakh)

Keep 3 month’s expenses equal cash as emergency fund if you are salaries and stable income.

Keep 6-9 month’s expenses equal cash as emergency fund if you have dependents.

Keep 12 month’s expense’s equal cash as emergency fund if you are self employed or in business.

Step 2 - Diversify – According to your risk appetite

Example: if you are investing 30% of your total wealth

Then 50% should in equity, 25% should go in debt. And 15% in gold (100% in SGB) or Gold ETF. And 10% should be in Liquid assets.

Step 3 – Keep investing through the fear – Keep continue your SIPs

Step 4 – Reduce your debts or clearance of Bad debts. Reduce your credit card expenses, car loans, home loans. Kill your high interest loans first.

Step 5 – understand CBDCs (central bank digital currencies) – this is programmable money which can replace Cash. Learn about it that how it works before it become mandatory

Step 6 – Multiple income streams – your second source of income is your first shield against recession. Invest in skills more than SIP, stock market, gold etc. Create at least 1 extra income source in 2026.

Note: it is not an investment advice. I am not a financial advisor. These are insights I have learnt. Always do your own research and invest accordingly at your own risk.

 

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