Mentre i discorsi sulla possibilità di una recessione si surriscaldano, anche la tua ansia inizia a farsi sentire.
Sebbene una flessione non sia una conclusione scontata, alcuni esperti hanno recentemente aumentato le probabilità che si verifichi una recessione nel breve termine.
Citigroup, valutando la crescita economica globale nei prossimi 18 mesi, vede una probabilità del 50% che si verifichi una recessione globale. Goldman Sachs ha valutato le probabilità di una recessione per gli Stati Uniti nel prossimo anno al 30%.
Altri, come UBS, non sono convinti che stia accadendo. Ad ogni modo, la sola possibilità che si verifichi una recessione è sufficiente per alimentare l’ansia.
Ecco cinque modi per affrontare l’ansia prima che danneggi la tua salute mentale e finanziaria, secondo gli psicologi.
1. Tieni il giusto focus
Presta meno attenzione alle notizie macroeconomiche e concentrati maggiormente sulla tua situazione di portafoglio, ha affermato lo psicologo finanziario e CFA Brad Klontz .
“Questo ti salverà effettivamente da circa il 75% dello stress”, ha detto.
Quando prendi le notizie sulle probabilità di recessione o altri rapporti economici, osservale ma non assorbirle. Dopotutto, il cervello umano è stato progettato per avere la capacità di prendersi cura solo di coloro che ci sono più vicini.
“Ci viene chiesto di espanderci e consentire a così tante crisi, a così tanti fattori di stress di entrare nel nostro campo energetico, ma dobbiamo tirarci indietro”, ha detto sempre Klontz. “Dobbiamo riguadagnare il nostro potere”.
2. Incontra un consulente finanziario
Poiché l’ansia riguarda in realtà l’incertezza sugli eventi futuri, parlare con un consulente finanziario potrebbe alleviare la tua mente, ha affermato Klontz, professore associato di psicologia finanziaria e finanza comportamentale presso la Creighton University Heider College of Business.
Lo studio Planning & Progress del 2022 della Northwestern Mutual lo conferma. Circa il 54% degli adulti statunitensi ha affermato di essere alquanto o molto ansioso per le proprie finanze, secondo il sondaggio condotto con Harris Poll dall′8 al 17 febbraio e basato su un campione di quasi 2.500 persone.
Tuttavia, quella percentuale scende al 46% per le persone che lavorano con un consulente finanziario e al 47% per coloro che si identificano come pianificatori disciplinati.
3. Esegui un esercizio di “scenario peggiore”.
Questo è l’esercizio preferito di Klontz, che ti guida attraverso ciò che accadrebbe in risposta a una serie di eventi. Anche qui parlarne con un consulente finanziario può aiutarti a farti le giuste domande.
Parla delle tue paure, ad esempio “Sono preoccupato per una recessione”, e poi chiediti: “Allora cosa accadrebbe?” Continua da lì, quindi se la risposta alla prima domanda fosse “Potrei perdere il lavoro”, chiediti “Allora cosa accadrebbe?” Continua a eseguire tutti gli scenari da lì, ha detto Klontz.
“L’esercizio dello scenario peggiore è come saltare da una scogliera emotiva”, ha detto. “Quando attraversi gli scenari, non è pericoloso per la vita e non è così grave come temono che sarebbe”.
D’altra parte, è lo stress che può fare danni reali.
“Lo stress finanziario può ucciderti, ma è raro che la nostra situazione finanziaria sia pericolosa per la vita”, ha detto Klontz.
4. Prenditi un momento per fare mente locale
Può sembrare banale, ma prendersi un momento per fare una pausa e fare alcuni respiri profondi può davvero aiutare, secondo Klontz.
“Quando diventiamo emotivamente inondati, veniamo sfidati anche razionalmente”, ha spiegato. “La chiave è calmare il tuo cervello emotivo prima di prendere qualsiasi decisione.”
Ciò può impedirti di prendere decisioni finanziarie sbagliate, come vendere titoli nel panico quando il mercato scende.
5. Espandi il tuo quadro di riferimento
Quando il mercato vende e il grafico della settimana fa sembrare che sia caduto da un precipizio, questo è un quadro di riferimento ristretto, ha detto Klontz. Tuttavia, come investitore a lungo termine, devi avere un quadro di riferimento più ampio. Quando lo fai, la scogliera in realtà sembra più una buca, ha spiegato.
“Allungalo di 10 anni, 15 anni”, ha detto Klontz. ″È una salita costante su una montagna, con un paio di buche lungo il percorso.”
Ricorda inoltre che le persone in genere investono in più di un’asset class, quindi quando vedi il mercato in calo, sappi che il tuo portafoglio diversificato potrebbe non affondare così profondamente.
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