{"id":6316,"date":"2025-02-11T12:03:27","date_gmt":"2025-02-11T11:03:27","guid":{"rendered":"http:\/\/localhost:8888\/latour-finance\/?p=6316"},"modified":"2025-02-25T09:32:20","modified_gmt":"2025-02-25T08:32:20","slug":"four-practical-tips-to-get-through-the-ukrainian-crisis","status":"publish","type":"post","link":"https:\/\/latour-finances.de\/en\/2025\/02\/four-practical-tips-to-get-through-the-ukrainian-crisis\/","title":{"rendered":"Stock market: four practical tips to get through the Ukrainian crisis"},"content":{"rendered":"
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The Ukrainian conflict is increasing stock market volatility and reshuffling the deck between stocks, sectors and regions.\u00a0and geographic zones. While identifying the winners (defense and arms values) and losers (banks, tourism, aeronautics) is fairly straightforward, knowing which strategy to adopt in these uncertain times is another matter altogether.\u00a0<\/span>In December 2021, the Autorit\u00e9 des march\u00e9s financiers published a qualitative study entitled \u00abStimulating the diversification of long-term savings into equities\u00bb. From this, we have drawn four practical tips that have proved successful in previous crises: subprime 2007-2008, Greek debt 2010 - 2011 and Covid 2020.<\/h4>\n

In this article, you'll find four practical tips for getting through the Ukrainian crisis: maintain your positions by diversifying further, continue buying stocks at the same pace as before the crisis, and rebalance your holdings at the end of the year.<\/span><\/h4>\n

\u00a0Tips for getting through the Ukrainian crisis without too much damage.<\/span><\/h4>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t
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1. Hold your positions<\/h2>\n<\/div>\n
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Investors new to the stock market tend to\u00a0sell\u00a0<\/b>its shares at the drop of a hati<\/b>under. Understandable behavior, but costly in terms of performance. After all, if the stock market moves in a yo-yo fashion, it is also characterized by short periods of strong growth. If you're\u00a0constantly in and out<\/b>\u00a0of the market, you stand a good chance of not being invested on the price boom days that make up the bulk of the market.\u00a0annual yield<\/b>. \u00abSince no one can know when the good sessions will take place, the only way not to miss them is to stay invested,\u00bb wrote the AMF in December 2021.\u00a0Le Revenu<\/i>\u00a0shares this analysis. The well-informed individual investor can go back and forth on a small portion of his savings to try and beat the market. But\u00a0the essentials\u00a0<\/b>of its capital must remain\u00a0invested\u00a0<\/b>in\u00a0permanence<\/b>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t

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2. Continue buying stocks at the same pace as before the crisis<\/h2>\n<\/div>\n
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Investing a\u00a0small amount\u00a0<\/b>each month regardless of the\u00a0stock market trend<\/b>\u00a0is a\u00a0golden rule<\/b>. When markets are\u00a0dear<\/b>, you buy\u00a0few values<\/b>\u00a0; when they're cheap, you buy them\u00a0more<\/b>. This procedure optimizes\u00a0your cost prices<\/b>\u00a0and enables\u00a0profitability<\/b>, in the\u00a0duration<\/b>, close to the market average, i.e.\u00a07 to 8% per year<\/b>. Regular investment also offers the advantage of automaticity. In turbulent times like these, it's very easy to\u00a0precious<\/b>. You don't have to think about when to invest. You stick to what you've decided once and for all, which is to invest such and such an amount on such and such a day of the month.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t

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3. Diversify further<\/span><\/b><\/h2>\n<\/div>\n
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Not all markets and not all market segments evolve in tandem. This is why the\u00a0diversification<\/b>\u00a0reduces stock market portfolio fluctuations. But beware of \u00abnaive diversification\u00bb, as behavioral finance teaches us. Invest your savings in\u00a0two funds<\/b>\u00a0into shares of different banks is far from\u00a0sufficient<\/b>. After all, these two funds may be investing in the same stocks. We need to go further and analyze the\u00a0composition\u00a0<\/b>of the funds to ensure that they do not perform well or poorly over the same periods.\u00a0<\/span><\/p>\n

Having taken these precautions, the AMF speaks of \u00abvirtually no risk when equity investments are\u00a0diversified<\/b>\u00a0and\u00a0preserved\u00a0<\/b>over at least fifteen years\u00bb. An observation that should be part of basic financial education.\u00a0<\/span>for all savers.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t

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4. Rebalance your assets at the end of the year<\/span><\/b><\/h2>\n<\/div>\n
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Good diversification is\u00a0not enough<\/strong><\/b>\u00a0in markets shaken by a major crisis, such as Russia's invasion of Ukraine. Over time, the initial allocation of your stock market savings (between business sectors, company sizes, geographical areas, etc.) becomes distorted because some stocks rise more than others. Financial theory teaches us that it's better not to let it get out of hand.\u00a0diverge too widely<\/strong><\/b>. In practice, a\u00a0rebalancing\u00a0<\/strong><\/b>once a year seems ideal according to various simulations (read \u00abComparative performance of different savings strategies<\/a>\u00bb, Pierre-Emmanuel Darpeix and Natacha Mosson, 2018). Automatic rebalancing at the end of the year has the advantage of not leaving you alone with your doubts and fears about what to do next.<\/p>\n

Maintain your positions by diversifying further, continue to buy stocks at the same pace as before the crisis, and rebalance your holdings at the end of the year: these are the practical tips to follow.\u00a0Income<\/em><\/i>\u00a0to get through the Ukrainian crisis without too much damage.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"The Ukrainian conflict is increasing stock market volatility and reshuffling the deck between stocks, business sectors and geographical zones. 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