A short personal-advice video by Ndubuisi ‘Andy’ Egwim explaining how he invests during stock market crashes. He emphasizes risk management and asset allocation—preferring broad-index exposure for most funds while reserving 10–20% of investable assets for higher-risk individual-stock bets—and gives age-based guidance (younger investors can take more equity exposure).
Some of you followed me for a while. You know that whenever there's a stock market crash, I get very busy. That's when I buy a lot of my investments. Your question is around risk management and asset allocation. That's the way I put it. So if you talk about, okay, you're already doing s and P500, you're buying a broad index. So that's basically you're buying the whole market. You don't really need to do all of that, really. But if you're going to be buying individual stocks, you're increasing your risk. If you're going to be making significant investments, then you need to know enough not to make a mistake. Otherwise, what I suggest for most people is to take a larger portion of their investment money, especially if you are obviously 18, you're younger, you're not anywhere near 50 or 60, or I can tell that you're young. So the way you can actually increase your upside is to invest more in the stock market, but at the same time, you want to take less risk. But here is a solution I do recommend, because no matter, even after I finish saying this, many people still want to try out individual stocks. Take 10 to 20% of your investable funds. If you want to invest individual stocks, you take 10 to 20% and use that for individual funds. It goes to zero. If I lose the money, it's fine. I've got the other 80 to 90%. But hey, what if those. What if those times 10, what if those times 20, as startups can do.
