ماذا تفعل عند انهيار السوق: دليل المستثمر العقلاني

Market crashes feel like the end of the world when they are happening. Portfolio values plummet, headlines scream catastrophe, and the overwhelming instinct is to sell everything before it gets worse. This instinct, while natural, is the single most destructive impulse an المستثمر can act on.

Every significant market crash in history has been followed by a recovery that exceeded the previous peak. Every single one. The المستثمرون who benefited from these recoveries were those who held their positions through the crash. The المستثمرون who suffered permanent damage were those who sold during the decline.

إن معرفة كيفية التصرف عند انهيار السوق لا يتعلق بالشجاعة أو مخالفة التيار، بل يتعلق بوضع خطة ونظام قابلين للتنفيذ بغض النظر عن شعورك في تلك اللحظة.

الخطوة الأولى: لا تُغيّر تخصيصك. لقد حُدّد تخصيصك المستهدف في ظروف هادئة عندما كنتَ قادرًا على التفكير بوضوح. لم يُغيّر الانهيار السبب الأساسي لتخصيصك. تغييره الآن يعني اتخاذ قرار مالي كبير في فترة من التوتر النفسي الشديد.

Step two: if possible, add to your المحفظة. Crashes create opportunities to buy quality assets at discounted prices. Investors who added capital during the 2008 financial crisis or the 2020 pandemic crash saw extraordinary returns in the following years. Regular contributions during a crash are the closest thing to a guaranteed advantage in investing.

Step three: rebalance. During a crash, some themes fall more than others, pushing your allocation away from targets. Rebalancing buys more of the depressed themes at lower prices. This is mechanically simple but psychologically difficult, which is why automated إعادة التوازن is so valuable during crashes.

The playbook for market crashes is simple to understand and extraordinarily difficult to execute manually. The emotional intensity of watching your المحفظة decline makes rational action nearly impossible for most المستثمرون.

Automated إدارة المحافظ executes the rational playbook without requiring rational behavior from you. It maintains your allocation. It rebalances into the decline. It keeps you positioned for the recovery that has always followed. This is when automation earns its keep.