Now thundering the stock markets: what should you do with your money? Experts give tips: « If you do that now, you really didn’t understand »
Are the stock markets going even further into the Dieperik?
« The simplest question but also the most difficult, » says Tom Simonts, financial economist at the Bank KBC. « Last Friday, the stock markets sagged a lot, because the markets are looking for support, for trust. The first day that Donald Trump announced his import tariffs, the reaction was: » This is not fun, but okay. » But Friday’s reaction was a massive: « Okay, if it’s that way, we’re gone here. » Trump almost seems to want to fiddle with the system of capitalism, everything has to be commemorated to the absolute basis. we’re out. So yes, the fair can easily drop even further. «
« It will probably fall a little further before we reach an point that the stock market can spring up again, » says Peter Vanden Houte, chief economist at ING. « You notice that this storm will not immediately lie down. »
Tom Simonts. – © Walter Saenen
Wouldn’t I just sell all my shares for my peace of mind?
« If you bought shares not so long ago and you now want to panic them in a lot of lower price, then that is not immediately a lucrative strategy, » says Vanden Houte. « Do you immediately recover the loss that you might have sustained if you hold your shares? That is not. The point of investing is always: you have to view it in a period of at least five years. »
« If you can’t stand volatility, then put your money on a savings book and see how it loses value there »
Pascal Paepen
Professor Bank and Beurs
« Sorry, but if you want to sell quickly in panic, you really don’t understand, » says Pascal Paepen, Professor Bank and Beurs at the KU Leuven and lecturer at Thomas More Hogeschool. « This is the normal course of events, it will never be otherwise on the stock exchange. If the rate issue of Trump is solved, the following may be that China Taiwan will annex things. Things like that, they offer just chances of buying. If you can’t stand that volatility, put your money on a savings book and see how it loses value there. »
Read too. From beer to chocolate and fries: how do Trump rates take our crown jewels?
© Getty Images
I invest a fixed amount in trackers every month and they are now cheaper. Do I have to put more money in that now?
Trackers of ETFs His funds that are passively managed and that follow a whole group of shares. So you do not invest in one, two or ten companies, but throughout the stock exchange at the same time. Those trackers are now much lower than a few weeks ago. Buy a little more quickly, then? « Buy more now and then see how the stock market might drop 15 percent further: then you have not done a good thing, » says Vanden Houte.
“That also goes against the spirit of it input That you do with those trackers, « says Simonts. » Such a trackers or ETFs follow the markets themselves. If you shift with amounts of money, with the frequency of money depositing, with types of funds you buy, then you are no longer in your hammock, but you are actively trying to try to be better than the market. You will do that more than probably not. So stay in your hammock and stick to your investment rhythm: the same amount per month every time. ”
Read too. This way you become a ‘hammock investor’: « Put it in ETFs and stay off »
Wouldn’t I invest better in real estate instead of in those volatile fairs?
If the world is on fire, is it not better to look for a second stay or an apartment to rent out and therefore put your money in safe bricks? « Put your money in real estate, means that you can’t mobilize it quickly: you can’t get back to it soon, » says Vanden Houte. « If you want your real estate, you have to rent out. And you also have a number of other concerns about it: repairs, vacancy, annoying tenants, and the mortgage deduction for the second home has also been abolished last year. Real estate can be interesting, but it is something completely different than investing. »
« If you can now pick up your pension savings fund, it will be less than what it was a few months ago »
Tom Simonts
Economist KBC
Are people who are close to their retirement in the misery now that their pension fund is suddenly worth much less?
« Yes, those people can be nervous, » says Simonts. “If you can pick up your pension savings fund at the moment, then there will be less than what it was a few months ago. That does not have to be a disaster right away: you are not obliged to withdraw the money. You can also invest that and stay on the market. Put that money in funds, in trackers: they are currently also on a lower course or who wants to go to a BOOS, that money with that money, for example, that money is really going to do that money, that money, for example, that money, who is only a lot of money, that money, who, for example, wants that money. it will be a smaller boat. «
« For people who are still far from their retirement, this is even a good thing, » says Paepen. « Then you buy in cheaper rates. Part of such a fund also consists of bonds, and they are doing well now. »
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