{"id":6996,"date":"2020-03-15T12:06:43","date_gmt":"2020-03-15T12:06:43","guid":{"rendered":"https:\/\/www.foxymonkey.com\/?p=6996"},"modified":"2020-03-15T12:18:00","modified_gmt":"2020-03-15T12:18:00","slug":"coronavirus-special-investing","status":"publish","type":"post","link":"https:\/\/www.foxymonkey.com\/coronavirus-special-investing\/","title":{"rendered":"Coronavirus Special: Investing during a pandemic"},"content":{"rendered":"\n<p>Because the world needed another expert telling you what to do, I&#8217;ll try to present some facts and describe how I invest during the Coronavirus market crash.<\/p>\n\n\n\n<p>If you have been in a yoga retreat without your phone for the past few weeks, you missed feeling like you&#8217;re in a movie. You also missed this:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1298\" height=\"796\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1.png\" alt=\"Vanguard world etf - VWRL down 23% in 2020\" class=\"wp-image-7002 lazyload\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1.png 1298w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1-300x184.png 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1-1024x628.png 1024w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1-768x471.png 768w\" sizes=\"(max-width: 1298px) 100vw, 1298px\" \/><noscript><img fetchpriority=\"high\" decoding=\"async\" width=\"1298\" height=\"796\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1.png\" alt=\"Vanguard world etf - VWRL down 23% in 2020\" class=\"wp-image-7002 lazyload\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1.png 1298w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1-300x184.png 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1-1024x628.png 1024w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-lse-peak-trough-gbp-2020-1-768x471.png 768w\" sizes=\"(max-width: 1298px) 100vw, 1298px\" \/><\/noscript><figcaption> <\/figcaption><\/figure>\n\n\n\n<p>The market has lost 23%, peak to trough, in 3 weeks time. This is the quickest bear market in the history of stocks. <\/p>\n\n\n\n<p>If you didn\u2019t bother checking how your investments are doing after living through the <a rel=\"noreferrer noopener\" aria-label=\"worst day (opens in a new tab)\" href=\"https:\/\/www.bloomberg.com\/opinion\/articles\/2020-03-12\/coronavirus-triggers-the-worst-stock-market-crash-since-1987\" target=\"_blank\">worst day<\/a> in the stock market&nbsp;since 1987, congratulations, read no more.<\/p>\n\n\n\n<p>But for those of us who think their hard-earned money is quickly vanishing, keep on reading.<\/p>\n\n\n\n<p><strong>I am afraid. <\/strong>Maybe you&#8217;re too. But we knew this time would come right? I&#8217;m not only afraid that I&#8217;ll be poorer, but I&#8217;m afraid of catching the virus too!<\/p>\n\n\n\n<p>Obviously, the priority in these times is to <strong>stay healthy<\/strong> so that we can enjoy the fruits of our labour. It\u2019s extremely important to take things seriously and flatten the curve slowly despite what the UK government is proposing. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"997\" height=\"628\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/flattenthecurve.jpeg\" alt=\"flatten the curve\" class=\"wp-image-6999 lazyload\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/flattenthecurve.jpeg 997w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/flattenthecurve-300x189.jpeg 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/flattenthecurve-768x484.jpeg 768w\" sizes=\"(max-width: 997px) 100vw, 997px\" \/><noscript><img decoding=\"async\" width=\"997\" height=\"628\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/flattenthecurve.jpeg\" alt=\"flatten the curve\" class=\"wp-image-6999 lazyload\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/flattenthecurve.jpeg 997w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/flattenthecurve-300x189.jpeg 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/flattenthecurve-768x484.jpeg 768w\" sizes=\"(max-width: 997px) 100vw, 997px\" \/><\/noscript><figcaption> <\/figcaption><\/figure>\n\n\n\n<p>This will ensure the health system is able to cope with the load in Intensive Care Units so fewer people die at once. There will be plenty of years to enjoy going to restaurants, drink, watch live football etc. But for now, let\u2019s self-isolate a bit, better safe than sorry.<\/p>\n\n\n\n<p>Personally, this means not going to restaurants or cafes, only meeting with others when necessary and postponing my sports\/gym. Not sure how long this will last but I hope it&#8217;s over soon and not many people die! I still have to go to work but I expect this to change next week or so.<\/p>\n\n\n\n<p>I understand not everyone can WFH though :(<\/p>\n\n\n\n<p><strong>What about our investments?<\/strong> We see major sales going on as the world\u2019s best voting machine tries to predict the next move of corporate earnings. <\/p>\n\n\n\n<p>If you\u2019re 100% equities then you probably down 20% or so. But then, you must have gained quite a lot already during the longest bull market ever. So time to give back some. Zoom out and see the big picture. Not so bad to be honest.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1298\" height=\"798\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020.png\" alt=\"2012-2020 VWRL ETF performance\" class=\"wp-image-7001 lazyload\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020.png 1298w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020-300x184.png 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020-1024x630.png 1024w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020-768x472.png 768w\" sizes=\"(max-width: 1298px) 100vw, 1298px\" \/><noscript><img decoding=\"async\" width=\"1298\" height=\"798\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020.png\" alt=\"2012-2020 VWRL ETF performance\" class=\"wp-image-7001 lazyload\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020.png 1298w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020-300x184.png 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020-1024x630.png 1024w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/vwrl-lse-2012-2020-768x472.png 768w\" sizes=\"(max-width: 1298px) 100vw, 1298px\" \/><\/noscript><figcaption> <\/figcaption><\/figure>\n\n\n\n<p>So this market drop has moved us back to 2017-2018 levels. The question, of course, is how much further can it drop.<\/p>\n\n\n\n<p>Truth is, I don&#8217;t know. But I do know that this is temporary and humanity will see through this. We&#8217;ve fought much deadlier viruses so this too shall pass.<\/p>\n\n\n\n<p>If you have just started investing then bad luck, you probably think you&#8217;re the unluckiest person on earth. But I have good news for you. For starters, this is a big lesson. You&#8217;ll have plenty of market drops in the next decades. So in a way, you&#8217;re &#8220;buying&#8221; your risk tolerance profiling on the cheap!<\/p>\n\n\n\n<p>Next time you know what you can and can&#8217;t handle so you&#8217;ll plan accordingly.<\/p>\n\n\n\n<p>You also plan to contribute regularly, right? So your next contributions are going to buy you more shares now than before the crash. <\/p>\n\n\n\n<p>In fact, <strong>if you&#8217;re just starting out a crash works out better for you<\/strong>. The people affected the most are the ones entering retirement with risky allocations who see a big absolute drop (not just percentage!) of their wealth. I&#8217;m talking about hundreds of thousands.<\/p>\n\n\n\n<p><strong>Regardless of when you invest, you\u2019re already on the best path of making yourself very wealthy.<\/strong> Have you met Bob, the world\u2019s worst market timer? <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bob, the world&#8217;s worst market timer<\/h2>\n\n\n\n<p>Bob started investing <strong>just before every market crash <\/strong>in an index fund<strong>.&nbsp;<\/strong>Starting in 1970, he ONLY invested just before the crashes:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"\"><tbody><tr><td><strong>Date of Investment<\/strong><\/td><td><strong>% Drop afterwards<\/strong><\/td><td><strong>Amount<\/strong><\/td><\/tr><tr><td>December 1972<\/td><td>-48%<\/td><td>$6,000<\/td><\/tr><tr><td>August 1987<\/td><td>-34%<\/td><td>$46,000<\/td><\/tr><tr><td>December 1999<\/td><td>-49%<\/td><td>$68,000<\/td><\/tr><tr><td>October 2007<\/td><td>-52%<\/td><td>$64,000<\/td><\/tr><tr><td><\/td><td><\/td><td><strong>Total: $184,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>So Bob invested only at market peaks. When he retired, end of 2013 here\u2019s how much he made: <strong>Over $1 million. <\/strong><\/p>\n\n\n\n<p>You read it right: $1,100,000 to be exact. <\/p>\n\n\n\n<p>He had one good characteristic though. <strong>Bob wouldn\u2019t sell a penny when the market crashed.<\/strong> He just let the money in, didn\u2019t touch it. Had he invested regularly every month, he would sit on $2.3 million dollars. But then he wouldn\u2019t be Bob would he \ud83d\ude42&nbsp; <\/p>\n\n\n\n<p>The moral of the story is that even if you\u2019re losing money, you\u2019re full of fear and thinking of selling: this too shall pass. In fact, in a few years, it\u2019ll look like a great buying opportunity. We will be thinking why we didn\u2019t buy more of these discounted prices.<\/p>\n\n\n\n<p><strong>Plus you don\u2019t lose money until you sell.<\/strong> But I know nothing about your situation\/liabilities&nbsp;and provide only general guidance. Also, the world, and certainly the UK may be headed for a recession. It may get worse before it gets better. So if you want to sell, at least lower your equity allocation. From 70 to 40 or whatever. <\/p>\n\n\n\n<p><strong>All in &#8211; all out thinking never helped as it\u2019s really hard to know when to get back in again and you may lose more money overall.<\/strong><\/p>\n\n\n\n<p>These are the times where having a plan is critical. If you have a plan just stick to it. I know my plan is roughly 50% equities, 20% property, 10% bonds, 10% other\/cash. I&#8217;m not doing anything, not selling, not buying more than usual, not even looking at my investments. Despite having CNBC TV literally above my head flashing RED all day (thanks work!). Selling when stocks are down will only lock the losses.<\/p>\n\n\n\n<p>I have a few random thoughts on buying, including some speculative moves but I&#8217;ll leave this for next time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Boring bonds not so boring anymore<\/h2>\n\n\n\n<p>We finally see the <a href=\"https:\/\/www.foxymonkey.com\/does-anyone-own-bonds\/\">value of bonds<\/a> and what a great insurance have they been, recently. Less than a year I wrote the post \u201cDoes anyone own bonds, nowadays\u201d?<\/p>\n\n\n\n<p>The point was to highlight their importance despite them yielding only 1% a year, less than inflation! Less than cash in my TSB account!! Here&#8217;s the value though:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1592\" height=\"878\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1.png\" alt=\"VWRL vs VAGP Feb-Mar 2020\" class=\"wp-image-7008 lazyload\" data-srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1.png 1592w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1-300x165.png 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1-1024x565.png 1024w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1-768x424.png 768w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1-1536x847.png 1536w\" sizes=\"(max-width: 1592px) 100vw, 1592px\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"1592\" height=\"878\" src=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1.png\" alt=\"VWRL vs VAGP Feb-Mar 2020\" class=\"wp-image-7008 lazyload\" srcset=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1.png 1592w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1-300x165.png 300w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1-1024x565.png 1024w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1-768x424.png 768w, https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/VWRL-vs-VAGP-bonds-feb-2020-1-1536x847.png 1536w\" sizes=\"(max-width: 1592px) 100vw, 1592px\" \/><\/noscript><figcaption>VWRL vs VAGP Feb-Mar 2020. <a href=\"https:\/\/markets.ft.com\/data\/etfs\/tearsheet\/summary?s=VAGP:LSE:GBP\">Source FT<\/a><\/figcaption><\/figure>\n\n\n\n<p>In times of stress, people flood to safety &#8211; government bonds, gilts, US treasury etc.<\/p>\n\n\n\n<p>In fact, the popular <a href=\"https:\/\/www.trustnet.com\/factsheets\/o\/acdq\/vanguard-lifestrategy-60-equity-a-acc\">Vanguard Lifestrategy 60\/40<\/a> fund is down only -13.5% compared to -23.8% of a world equity tracker, 20th Feb to 13th March.<\/p>\n\n\n\n<p>Even better, if you&#8217;ve invested in bonds already you&#8217;ve got some dry powder ready to use \ud83d\ude09 Just remember, it may get much worse before it gets better. Or not.<\/p>\n\n\n\n<p>It&#8217;s funny that in times like this, it always feels too late to sell but too early to buy &#8211; doesn&#8217;t it?<\/p>\n\n\n\n<p><strong>Take care, Stay healthy.<\/strong> And as the Bitcoin crowd likes to say &#8211; <a href=\"https:\/\/www.foxymonkey.com\/wp-content\/uploads\/2020\/03\/not-selling.jpg\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"I'm not fuckin selling. (opens in a new tab)\"><em>I&#8217;m not fuckin selling<\/em>.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Because the world needed another expert telling you what to do, I&#8217;ll try to present some facts and describe how I invest during the Coronavirus &#8230; <a title=\"Coronavirus Special: Investing during a pandemic\" class=\"read-more\" href=\"https:\/\/www.foxymonkey.com\/coronavirus-special-investing\/\" aria-label=\"More on Coronavirus Special: Investing during a pandemic\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":7002,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[151,205],"class_list":["post-6996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-investing","tag-passive-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Coronavirus Special: Investing during a pandemic - Foxy Monkey<\/title>\n<meta name=\"description\" content=\"We have just experienced the quickest bear market in the history of stocks. 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