In the midst of the stock market turmoil, should I transfer my money from investments to cash?

You may be wondering if your money is safe or if you should sell your shares and switch to the so-called safety net of cash accounts as the world's stock markets are in disarray due to Trump's tariffs

Although this isn't the first time that the stock markets have experienced instability and it won't be the last, it makes sense that investors might be feeling anxious at the moment given the ongoing market turbulence.

Even the most resilient investors may be enraged by the recent news about the effects of Trump's tariffs, even though seasoned investors know all too well that this is a case of remain calm and move on.

It's understandable that headlines stating "FTSE plunges," "S&P 500 sheds millions," or "stock market meltdown" can cause anxiety.

To make matters worse, China today announced a 34 percent tariff on all US imports, potentially starting a trade war. But now is probably not the best time to start rearranging items in your portfolio to prevent damage. Indeed, it might undermine your long-term objectives.

Why should I not be concerned about the decline in the stock market?

Turbulence in the stock market may not seem typical, but it happens frequently.

Recall that the stock market last plummeted in 2020 due to concerns about the spread of COVID-19. The FTSE 100 and S&P 500 were down more than 3% at the time.

There have been eight occasions in the past 50 years when shares have dropped by more than 20 percent. However, despite all of this, stocks generally still perform well and offer investors higher returns than cash.

Vanguard estimates that a mere 100 investment made in 1972 would have yielded over 7,000 in 2025.

The takeaway is to remain invested. While investing is never risk-free, successful investors can avoid negative news reactions, concentrate on the long term, and block out distractions.

Even if the market dips, you will do better the longer you stay in the market.

Are your investments being sold?

In times of market volatility, how should I make investments?

It's difficult to get investing right; in fact, you shouldn't try to time the market. In an attempt to increase their future profits, some people might try to buy during the downturn.

But regardless of what the market is doing, if you're searching for a strategy, make regular, consistent investments.

This method is called pound cost averaging. In this scenario, you can smooth out any volatility by drip-feeding a fixed amount into your investment each month.

The longer you invest, the better your chances are of seeing your money grow.

Should I continue to receive an ISA for stocks and shares?

You might be apprehensive about a stocks and shares ISA if you have never had one before as the tax year draws to a close. For information on the different kinds of ISAs you can have, see our ISA guide.

You can either put your money into a cash ISA or park it as cash in your stocks and shares ISA and choose where to invest later if you are not comfortable making investments at this time. In any event, don't let Trump's tariffs prevent you from using your ISA this year.

Put that investing app away for the time being. Don't look!

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