Why panic selling isn't the way to go.

Why panic selling isn’t the way to go, is simple. It makes it easier for non-retail investors to buy more shares. If you’re a retail investor, it’s the perfect time to buy, unless it’s on a knife edge. As someone who has been investing since 2020 and across a few platforms, I can say this. I even was silly enough, to sell when it was from a lower range. I’m not saying this as financial advice because if I recall, it could lead me to legal troubles or some other problems. The other problems might end up being accused of financial manipulation, so that’s why I’m stating this. If you want to have a decent instrument, but it’s decreasing in price, it is fine. If it’s going on a knife edge, then please, please, please, research as of why they are going down the pan. That is the only advice I’ll give you on this one.

There are reasons why billionaires love recessions and hate it at the same time. If they were buying value-based shares, they’ll invest a lot more into said instrument, based on growth, they’ll hate it. Growth would be threatened a lot by inflation. This is according to Investopedia.

Inflation's Impact on Stock Returns (investopedia.com) Please jump to Growth vs. Value Stock Performance and Inflation to see what I’m getting at.

Now what would I do as a retail investor when inflation happens or when markets crash? I’d invest slightly less, due to prioritising with expenses and of course investing. The best thing you can do is due diligence but keep in mind that past performance isn’t always a good idea. Sure companies that are dividend kings and aristocrats tend to be more stable due to having a decent reputation. My examples of kings:

American States Water Co. Increased dividend rate 66 years.

Dover Corp. Increased dividend rate 66 years.

Genuine Parts Co. Increased dividend rate 65 years.

Northwest Natural Holding Co. Increased dividend rate 65 years.

Procter & Gamble Co. Increased dividend rate 65 years.

I should mention that kings tend to increase dividends 50 years in a row.

For aristocrats my examples are of the following:

Rio Tinto Group LSE

British & American Tobacco

BAE Systems PLC

Glaxosmithkline PLC

Legal & General Group PLC

They are all increase their rates from 25+ years.

Would I invest more into growth? Yes, I would because ideally diversifying your portfolio would at least reduce risks. If higher risks is your thing, then fine. You do you on that one. The other main thing to do is diversify markets because just by staying with one nation, within my experience wasn't all that good. It made my returns lacklustre, had hardly any dividends, hardly any growth potential, and that's why I added another market, and eventually even more.

How do I generate more money to invest in myself? The answer may sound easy and straight forward, but it isn't. You would need to have a side hustle, that could be anything that has a passive income. This could range from livestreaming, Instagramming, writing books, writing blogs and many other good examples. Having a job would also help out a lot, but I don't imagine people would stay in a job forever, especially not in this day and age. That's a reason why the FIRE movement exists. There are blogs on this website that covers this a lot more. It isn't easy per say because you need to find a niche, and even then you would have to shell out money, just to make money. Be confident in what you're doing, have plans, be prepared. Don't feel overwhelmed if you're going through more than one hustle, because the best thing to do is seek advice on that one.