Investors fear a 2026 market crash—but half aren't ready for it
American investors are bracing for a potential market downturn in 2026, with widespread concerns shaping their financial strategies. A new survey reveals that three-quarters of respondents expect economic trouble ahead, yet nearly half admit they are not financially prepared for such a shift. Meanwhile, cash remains the safest bet for most, while crypto continues to divide opinions as both risky and volatile.
The survey highlights deep unease among investors, with 76 percent worried about a market decline. Nearly half—46 percent—feel financially unprepared for a recession, despite the looming predictions. This anxiety is reflected in daily habits, as 50 percent check their portfolios at least once a day, and 51 percent report feeling stressed about investments at least monthly.
Cash dominates portfolios, with 86 percent of investors holding it and allocating an average of $626 per month. Stocks remain widely held, with 69 percent participation, though 46 percent of those investors now view them with fear. Gold and commodities, on the other hand, attract optimism from 44 percent of all investors, rising to 47 percent among Millennials.
Cryptocurrency remains a niche choice, with only 35 percent of investors involved. Those who do invest commit an average of $92 monthly, far less than cash or stocks. Investors see crypto as the most cautious and volatile asset class, with 54 percent and 56 percent expressing these concerns respectively. The stress of constant market updates—often called doomscrolling—has already led 18 percent to make hasty investment decisions.
Market trends show gold outperformed Bitcoin in 2025, gaining 55 percent compared to Bitcoin's 32 percent rise. However, Bitcoin's overall performance last year still ended in a 6 percent decline.
The survey paints a picture of cautious investors, heavily reliant on cash while nervously watching stocks and crypto. With 2026 expectations grim, financial readiness remains a key issue, as nearly half feel exposed to potential downturns. The divide between traditional assets and newer options like crypto reflects broader uncertainty in the stock market today.
