Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

He Invested the Day Before the Market Crashed — Here's What Happened to His Money

12 May 2026 · 1 min

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In this video, Ndubuisi 'Andy' Egwim introduces a hypothetical NHS consultant, Dr. Joe, who invests a lump‑sum the day before a major market crash. He uses this worst‑case timing scenario to address the common investor fear of mistiming the market. Andy argues that the cost of waiting for a perfect entry can be greater than even the most disastrous timing. To support this, he examines four of the largest market collapses in the past 25 years—drawn from his personal experience—and promises to show the data that quantifies the impact of both worst‑case timing and delayed entry.

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Dr. Joe. Dr. Joe is an NHS consultant who does some private practice. And Dr. Joe has what he describes as terrible timing or bad luck. What if he invests his lump sum at the absolute worst possible moment, the day before a major crash? This question matters because many people are held back from investing precisely because they worry about timing. They try to read the market, they try to time the market, they wait for the right moment. And that waiting, as we will see with numbers, is often more costly than even the worst timing imaginable. So I looked at 4 of the biggest market collapses of the last 25 years, and I've actually experienced some of those. Here is what the data shows.