🆕 Editor's chat – Preparing for the Crisis

🆕 Editor's chat – Preparing for the Crisis

We've discussing with a colleague – what interesting investment options are currently available. Of course, we’re not experts, but before making any decisions, it’s worth considering the following:

📌 Ideally, it’s best to enter a period of uncertainty with liquidity, controlled expenses, and a plan for gradually investing in undervalued assets.
📌 A crisis not only destroys value but also creates good entry opportunities for those who managed to prepare in advance.

So, here are 5 recommendations if you don’t plan to sit idly by and wait out the crisis:

1. Don’t inflate costs during a period of uncertainty

If you have a job or your own business, your main advantage is the ability to generate cash flow regularly. A business with flexible expenses can be your most reliable safeguard. If you can slow the growth of costs and maintain a safety margin, that’s preferable to chasing quick profits.

2. Use the crisis as an opportunity to accumulate assets, not as an excuse for impulsive actions

Most people sell when prices fall and buy when they rise. That’s why discipline plays a key role here. You need a pre-planned strategy: how much to keep in cash, at what price levels to enter the market, which reserve to leave untouched, and under what conditions to stay completely out of the market.

3. Keep a significant portion of your savings in dollars or in a similarly liquid form

During periods of uncertainty, investors exit stocks and other risky assets and move into cash. This increases demand for the dollar and makes many assets cheaper in dollar terms. Therefore, having cash on hand is not passivity, but an opportunity to buy more later for the same amount of money.

4. Don’t pour all your money into risky assets, especially crypto

Even if an asset has already fallen significantly, it can drop even further in the midst of a full-blown crisis. Therefore, it is wiser to enter in stages: use only a portion of your capital in the first wave, keep a reserve for deeper declines, and always maintain liquidity. This approach reduces the risk of entering too early and helps ensure you don’t run out of money if the market continues to fall.

5. Prioritize financial survival and flexibility over maximum paper returns

Simply put, it’s always better to have the ability to keep going. Losing 20% of your available capital is fundamentally different from losing 100%. That’s why maintaining stability is more important than trying to perfectly time the bottom of the market.

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