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

I Invested at the Worst Possible Moment — Here's What 70 Years of Data Shows UK Doctors

4 May 2026 · 1 min

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1:10

In this video, Ndubuisi “Andy” Egwim presents a deep dive into 70 years of UK market history, drawing on three major institutional studies. He outlines four real historical cases where an investor put money in the day before a major market crash—the “worst possible moment.” For each scenario he shows the actual performance of a lump‑sum investment versus a pound‑cost (or dollar‑cost) averaging approach, revealing outcomes that contradict common expectations. Throughout, Andy asks viewers—particularly UK doctors—to comment on their preferred investing style (lump‑sum vs regular drip‑feeding) and promises to revisit the discussion after the audience reflects on the data.

Chapters

I dug into 70 years of market history across 3 major institutional studies, and I'm going to share that with you. And I'm going to show you 4 real scenarios, historical scenarios anyway, where someone invested at the absolute worst possible moment, the day before a major market crash. And I'll show you exactly what happened to their money. The results will surprise you. The results are not what most people expect. Now, before we get into it, drop your answers in the comments right now. I want to know what's your approach, what's your opinion lump sum all at once, or drip feed it monthly, what we call pound cost averaging, or Americans call dollar cost averaging. So what do you do? Do you do pound cost averaging, dollar cost averaging, or do you do a lump sum? Tell me in the comments which one do you prefer and why. I'll come back and see, and I'll see whether you've changed your mind after going through the video.