Welcome to Wealthy Enough - my weekly newsletter where I share actionable insights to build your life of Enough.

Are you Worried about the Stock Market Downturn - November 2025?

Your portfolio might have just dropped a significant amount over the last few weeks. You are panicking 😰and just want to cut your losses. But before you click that RED SELL button, you need to know these three things—because that decision could cost you so much more over the next decade.

Watching your hard-earned money disappear feels terrible. That churning feeling in your stomach is completely normal. I've been there, millions of other investors have been there too.

But it’s NOT all that bad! Ask me why?

Market downturns are normal and that isn’t the problem. The emotional decisions you make during market downturn is the problem! And most investors make the same three critical mistakes that turn temporary paper losses into real, permanent ones.

If you are following the news you know the US Market is having a bit of correction. This November the S&P500 dropped almost 3% .

And ASX200 almost dropped 6% in November 2025 so far ..

FUN FACT: since 1950, the S&P 500 has experienced 24 corrections, and 13 crashes. meaning in the last 75 years there were 24 times that the S&P500 had declines of 10% or more and 13 times decline of 20% or more.

So What’s my point here?

During those dips, investors like you and me felt the same feelings that you’re feeling right now. And every time the market recovered. You see my point?

This math here should scare you BUT for a good reason:
If you sell at a 20% loss, you need a 25% gain just to break even. Sell at 30% down? You need a 43% gain.

How does it work? Here’s how ..
20% down (1/0.8=1.25): need +25%
30% down (1/0.7=1.43): need +43%
40% down … you get the idea the hole gets deeper … 🤯

The S&P 500 has never failed to reach a new all-time high eventually after every crash. Never. Your job isn't to avoid the crash—it's to still be in the game when recovery happens. Riding the wave is what we do 🏄

So here's exactly what to do right now:

Action One: Log out. Stop checking your portfolio every hour. Obsessing over daily numbers makes emotional decisions more likely.

Action Two: Review your asset allocation. If stocks dropping 20% terrifies you, you have too much in stocks for your risk tolerance. But fix this AFTER recovery, not during the crash.

Action Three: Keep investing if you're on a longer timeline. Don't pause your automatic investments. REMEMBER: You're buying on a sale. (think it like a BLACK FRIDAY SALE 😃 )

Action Four: If you have extra cash and a long timeline, consider adding more. Not all at once—spread it out over weeks or months.

Action Five: Only sell if your situation has fundamentally changed—(example: you lost your job, have a medical emergency. But Not because the market is down. [although this is highly discouraged, as I expect you to have an emergency fund for at least 6 months of basic living expenses]

The market crash isn't your problem. Your reaction to it is

I have studied the LAST 30 years of the S&P500 Index (Month by Month) and created a full video on it (including the Lessons from the Book: The Compound Effect by Darren Hardy)

This will give you a whole new perspective👇

🎥 My Most Recent YouTube Video

That’s all for today I hope you’ve found this helpful and insightful.

Until next week 🙂

Saeem Khan
Creator of Wealthy Enough.
Software Engineer, Investor, Content Creator
www.saeemkhan.com