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REDDIT

Would a market crash after a hypothetical AI bubble matter long-term for ETF investors?

I
Oct 9, 2025 · 19:36

I’m not an expert, so everything I’m saying could be wrong, but I’ve been thinking about the following.

Let’s say (hypothetically) that the current excitement around AI turned out to be a bubble and caused a market crash later on. If bubbles are basically misallocations of capital that eventually get corrected after a crash, wouldn’t the total market value eventually return to what it was before, just in a more balanced state with money redistributed more efficiently?

If that’s true, would it really make a difference to invest, say 50€/month before and 150€/month after the crash, versus just continuously investing 100€/month, assuming you have a well-diversified ETF portfolio and are *not* saving not-invested money to invest later?

My gut feeling tells me that it would be smart to invest less now, but to my head, it doesn't make sense, especially since the phrase "time in the market beats timing the market" is burned into it.