Where to Put Your Money Before the Market Crashes | 2024

Written By Colin Kuehn  |  Retirement 

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Whether you have been investing in stocks and bonds for years or you are just starting out, it's important to know where to put your money before the market crashes.

There are a few ways you can do this. You can use Dollar cost averaging, diversify your portfolio, or create an emergency fund.

Obviously, you need to work with your financial advisor before making any decisions about the best course of action for your investment portfolio.

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Precious Metals

While nothing is guaranteed, precious metals have served as a valuable inflation hedge historically. 

You can look at how a metal like gold has performed during past inflationary cycles to gain perspective, but traditionally it has performed well during past periods of volatility...which could be similar to what were' about to experience now.

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Investing in the stock market is a risky venture, and it can be hard to know where to put your money before the market crashes. There are ways to make your money safe, but you must follow the rules of the game and stay invested until the recovery.

Buying stocks during a market dip is a great way to profit. However, you must be prepared to commit to the purchase and have cash on hand for emergencies. You may want to keep a wish list of individual stocks you would like to buy and be ready to invest in them when they go on sale.

Selling short stocks is a way to get paid for the difference in value between the share price and the amount of cash you have. You will deliver the shares to your broker and then pay the shortfall with the cash you have.

Investing in a well-diversified portfolio is a good idea for serious investors. This means having a variety of assets, such as foreign stocks, real estate, and precious metals. It also increases your chances of owning assets that go up in value.

One of the worst crashes in the history of the market was the 1929 crash. The economy was in a contracting stage, and investors panicked. This created a downturn that took over two decades to recover from.

Another type of crash is called a bear market. It is a period of time when the S&P 500 is down about 5% to 15%, and many analysts believe inflation has peaked.

A bear market can be a great buying opportunity, but it is important to make sure you are diversified. Dividend growth stocks are a good option for a long-term, sideways bear market.


During a stock market crash, it can be difficult to know where to put your money. The best way to protect your investment is to be ready. With the right investments, you can offset a dip in the market and still get the best returns.

You can also use market dips as a buying opportunity. Whether you are looking for a bargain or you are saving for retirement, having cash in the bank will help you get through a market correction.

To protect your investments from a stock market crash, consider investing in bonds. Bonds are considered to be safer than stocks because they offer less risk. However, they have a lower rate of return. They will be affected by a rising interest rate, which can cause a drop in bond prices.

Unlike stocks, which can have a short investment horizon, bonds are a good choice for longer-term investors. Government and municipal bonds are a good choice for older individuals, as they provide stability. You can invest in a variety of bond funds from Fidelity.

You should also consider dollar-cost averaging into your portfolio. This strategy spreads out your deposits over a longer period of time, making it easier to invest in the market without overcommitting your money.

You can also offset a decline in the market by diversifying your investment portfolio. A diversified portfolio is the best way to minimize the impact of an asset going down in value. This way, you are prepared to reenter the market when prices are lower.

Finally, you should look into tax-loss harvesting. This is a clever move in a market crash, as it lets you turn a loss into a profit.

Emergency Fund

Investing in a well-diversified portfolio will be your best bet. Having a small amount of cash in a low-interest rate savings account can be a big help in tiding you over during a recession. A similar-minded two-income household can do well by keeping their housing costs and overall financial state of affairs modest.

The market has seen its share of tumultuous days. There is no denying that the S&P 500 has lost around 30% of its value since the beginning of the year. However, there is a silver lining in the form of a resurgent economy. If you are willing to ride out the downturn, you can find some great bargains before they are all but gone.

The best way to make the most of the downturn is to engage a smart financial advisor. They can recommend ways to protect your portfolio and create a moat around it. If you are strapped for cash, you might want to consider using leverage to buy distressed assets. If you have a modest nest egg, this may be a great time to invest in a new project or venture. If you do decide to dip your toes in the water, it's a good idea to keep a wish list of individual stocks in mind. Purchasing the right stocks at the right price is the holy grail of stock market investing.

The best time to buy is during the early part of the day or during the night. It's also a good idea to avoid trying to juggle your investments during a downturn. Getting a professional to do this for you can save you from making rookie mistakes and ensuring that you make the most of the downturn.

a pile of one dollar bills

Dollar Cost Averaging 

Investing in the market is not a simple process. It requires a lot of thought, and it involves risk. However, there are ways to minimize that risk. One way is dollar-cost averaging. This method is a great long-term strategy.

It allows you to invest in smaller amounts over time, so you can take advantage of short-term price swings. It also helps you stick to your investment plan.

It also spreads your investments' risk. All investments have some risk, but you'll find that dollar-cost averaging reduces that risk.

It can also help you avoid big losses. The last thing you want to do is lose a lot of money. It's better to start small and grow your investments over time than to try to make large purchases right away.

You can also use dollar-cost averaging to take advantage of a drop in stock prices. If the stock goes down, you might want to buy more shares of it than you would if the price had risen. This allows you to make up for the decline in price and increase your profits.

This is especially important if you have an emergency fund. If you have a large medical bill or unexpected expenses, you'll need that money to cover them. You'll feel safer knowing that you have that saved money.

There's no guarantee that you'll profit from dollar-cost averaging, but it can help you stay committed to your investments. It can also help you avoid losing big money when the market is volatile.

If you're new to investing, this is a good strategy to get you started. It's also a good option for people who have a modest amount of money to invest.

a blond woman next to an inflation guide

Diversify Your Portfolio

Investing in a diversified portfolio can be a great way to protect your investment. The stock market can be very volatile and investing in a diversified portfolio can be able to keep your investments from going down too far.

If you invest in a diversified portfolio, you will be able to avoid losing money during a recession or major downturn. You can also increase your chances of getting back to the same point in a few years.

One strategy to diversify your portfolio is to invest in real estate. Real estate does not have the same level of volatility as the stock market, and can be a good hedge against downturns.

Another way to diversify your portfolio is to invest in different types of bonds. Bonds are a good way to protect your money from market volatility. They generally pay higher dividends and are less correlated to the stock market.

When it comes to choosing an asset for your portfolio, you should make sure you choose the right one for your risk tolerance. A professional financial advisor can help you pick the best securities for your needs.

You can invest in a variety of asset classes, including bonds, real estate, commodities, and gold. Each asset class has its own advantages and disadvantages. It is important to determine your financial goals, and then use a diversified portfolio to achieve those goals.

Whether you are buying stocks, real estate, or a bond, the most important thing to remember is to always diversify. Having a diversified portfolio is the best way to protect your investments from devastating downturns. It can also lead to high returns over the long term.

Last Updated: December 31, 2023