Many people have lost much of their hard earned money in this financial crisis.

More and more people are looking for tips and guidance in overcoming the current financial crisis. Many are searching for information on the timing of the end of this bear market and figure out what to do with their money. The true is nobody know the answer.


Is it the time to sell right now, or should we stay invested? Nobody know. However, cashing out right now means missing out on rebound. In current situation many fundamentally strong stocks are selling at bargain-basement prices and are undervalued and cheap!

Market will not go down forever, it will not go up forever too. Market is like a cycle. History shows that the market is volatile in the short term. In the long term, it always goes up. Normally if you have a portfolio of great stocks, it will rise eventually when the crisis over. However, the so called “bluechip” like Lehman Brother can also go bankrupt :)

It is very common that many investors are lacking of cash when market go bottom as most of their cash are lock up in the market. Small investor should keep cash standing ready until they find the right deal.

One of the good strategy I can think of today is through the investment of ETF - security that tracks an index, a commodity or a basket of assets like an index fund, but trades like a stock on an exchange.

Timing the market is not easy. Dollar cost averaging strategy could be a good alternative in current situation.