市場暴落時にすべきこと：合理的投資家のプレイブック

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 投資家 can act on.

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

市場が暴落した時に何をすべきかを知ることは、勇敢であることや逆張りであることとは関係ありません。重要なのは、その時の気分に関わらず実行できる計画とシステムを持つことです。

ステップ1：資産配分は変更しないでください。目標資産配分は、冷静に考えられた平穏な状況下で設定されました。暴落によって資産配分の根本的な理由は変わりません。今変更することは、精神的ストレスが最大限に高まっている時期に、大きな経済的決断を下すことを意味します。

Step two: if possible, add to your ポートフォリオ. 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 リバランス 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 ポートフォリオ decline makes rational action nearly impossible for most 投資家.

Automated ポートフォリオ管理 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.