Is The Stock Market & Your Pension About To Crash?

1 - RETIREMENT CALCULATOR - https://financialeducation.co.uk/reti... - Use our interactive model to help you work out how much you need and how much you can spend in retirement. 2 - EQUITY RELEASE CALCULATOR - https://financialeducation.co.uk/how-... - More and more people are using equity release to fund their retirement. Use the free calculator to see how much you could borrow. 3 - RETIREMENT PLANNING CHECKLIST - https://financialeducation.co.uk/reti... - Download my free checklist and make sure you have not missed any of the big retirement decisions, deadlines or details. Is The Stock Market About To Crash? Nobody can predict when the stock market will crash, but with the Shiller CAPE ratio sitting around 40, close to its dot-com record of 44, the market is genuinely expensive. An expensive market is not the same as a fragile one, and the worst crash of our lifetimes in 2008 started from a valuation of only about 27. If you're asking whether the stock market is going to crash, what happens to your pension in a crash, or whether you should sell your investments now, this video walks through the evidence. We cover why 2008 was a leverage crisis rather than a valuation crisis, the market concentration risk of 10 companies making up more than 40% of the US index, the $700 billion AI spending bet, and how a 2 to 3 year cash buffer protects retirees from sequence of returns risk. IS THE STOCK MARKET GOING TO CRASH? Nobody can time it, but a cyclically adjusted price to earnings (CAPE) ratio of around 40 points to more muted returns ahead rather than a guaranteed crash. Going into 2008 the ratio was only about 27, yet the market still fell nearly 60%. WHAT HAPPENS TO YOUR PENSION IF THE STOCK MARKET CRASHES? Falls of 10% or more come round roughly every 1 to 2 years, and more than 70% of them never turn into a full crash. If you're near retirement, holding 2 to 3 years of spending in cash means you never have to sell investments at the bottom. SHOULD YOU SELL YOUR INVESTMENTS BEFORE A CRASH? J.P. Morgan found $10,000 left in the US market from 2006 to 2025 grew to about $80,000, but missing just the 10 best days cut that to about $36,000. Six of those 10 best days came within 2 weeks of the worst ones. RESOURCES Robert Shiller Online Data (Yale): http://www.econ.yale.edu/~shiller/dat... J.P. Morgan Guide to Retirement: https://am.jpmorgan.com/us/en/asset-m... ABOUT ME My name is Saq Hussain, and I have over 25 years of experience in the UK pension industry, helping to shape pension and retirement strategies for some of the world's largest organisations. BACKGROUND & ROLES Strategic Advisor: EY (Ernst & Young) Pensions Former Director: UK Head of DC Pensions, Benefits & Wellbeing at PwC Pension & Benefits Consultant: Aon, Willis Towers Watson and KPMG PRESS CITATIONS This Is Money (Daily Mail): https://www.thisismoney.co.uk/money/p... The Daily Telegraph: https://www.pressreader.com/uk/the-da... CONNECT WITH ME Retirement & Pensions: https://financialeducation.co.uk Help & Advice: https://helpandadvice.co.uk Later Life Care Planning: https://ukcareguide.co.uk LinkedIn:   / saq-hussain   LISTEN ON PODCAST Spotify: https://open.spotify.com/show/6786MNM... Apple Podcasts: https://podcasts.apple.com/gb/podcast... DISCLAIMER: For educational purposes only. Not regulated financial advice. Consult a qualified advisor before making pension decisions.