What happens to unlucky investors

🔸 Plus: When stocks go down, should you buy the dip? 🔸 Elle MacPherson sold her home for twice what she paid 🔸 Only 56% of Gen Z think saving for retirement is important 🔸

Your 2-minute guide to demystifying money and making you richer

The markets, year-to-date

• S&P 500: 5,738.17 ⬆️ 20.99%

• FTSE 100: 8,320.76 ⬆️ 7.76%

• Bitcoin: $65,829.00 ⬆️ 48.92%

• GBP to USD: $1.3376 ⬆️ 5.10%

• GBP to EUR: €1.1984 ⬆️ 3.93%

  (as of market close on Friday)

What if you’re the unluckiest investor in the world?

The stock market hit another all-time high in late September, raising the age-old question: Is this a bad time to invest?

If you’re new to saving and investing the idea of putting your money into the market just as it reaches a peak will feel scary. Surely it would be more logical to wait until the market goes down and buy the dip?

You can see from this chart of the S&P 500 over the last 20 years that, intuitively, even if you invest at a market peak you will still come out ahead if you are patient.