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Financial
3 Scary Market Crashes: How to Protect Your Cash
Knowing The Difference Could Save Your OFW Family’s Portfolio — And Your Job
In 2008, Ate Liza worked in Hong Kong when the Global Financial Crisis hit. Her stocks crashed 50%. In 2020, COVID hit, and her stocks dropped 30% in weeks. Each crisis was different. The unprepared lost the most.
Recession — The Standard Storm
The economy shrinks for at least 6 months. People lose jobs. Stock prices fall 30–50%. OFW survival move: Keep 6 months of expenses in cash.
Stagflation — The Worst Combination
Prices rise AND jobs disappear at the same time. As economists debate the high possibility of stagflation in May 2026 due to sticky inflation and slowing global growth, you must be careful. Impact: Stocks and bonds struggle. Gold and commodities are usually the BIG winners.
Deflation — The Sneaky Killer
Prices FALL across the economy. Sounds good — but it’s not. When prices fall, people delay buying. Businesses cut jobs. Impact: Cash and high-quality bonds become very valuable.
How to Position Your OFW Portfolio for Each
- For recession: 30% defensive stocks, 20% gold, 50% cash.
- For stagflation: 40% gold/commodities, 20% energy stocks, 30% short-term bonds, 10% cash.
- For deflation: 50% cash, 30% high-quality bonds, 20% strong dividend stocks.
The Mindset Shift
You can’t predict which crisis comes next. But you can have a flexible portfolio that handles all three. Survivors don’t predict crises; they prepare for them.
Take the Next Step
During an economic crisis, managing your portfolio data is critical to survival. Get organized today by downloading our Zero to Mastery Downloadable Templates—including the Risk Tracker and Capital Blueprint—for free.
RESOURCES DIRECTORY
The Official Stock Market Resources Directory for 2026
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ABOUT THE AUTHOR
I’m an OFW who has completed the Registered Financial Planner (RFP) program, higher-level COL Financial training, Metrobank stocks and technical seminars, and continues to learn from respected Filipino financial mentors. My mission is to make complex financial topics simple and useful for fellow OFW families.
Peace and love to you.