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Fiduciary, Fee-Only Wealth Strategist | Retirement Planning | Tax-Efficient Income Planning | Estate Planning | Creating Comprehensive Financial Strategies
#2 sticks out to me. Managing investments without a goals-driven plan is like taking a trip without a destination in mind or a GPS to guide you. ❓ How will you know when you are on track? ❓ How will you know when you are off track? How will you adjust? ❓ How will you know when you reach your destination? 💸 Remember - What gets measured, gets managed🤝 J. Derieck Hodges, CFP® Anchor Pointe Wealth Management
The 20 Most Common Investment Mistakes, in One Chart
https://advisor.visualcapitalist.com
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While we are still expecting a decline of economic activity in the second half of 2023, it is simply taking more time for the narrative to unfold. Read more from the Allianz Investment Management LLC midyear outlook.
AIM 2023 Mid‑Year Market Outlook | Allianz Life
allianzlife.com
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Click below to read our weekly investment update:
Weekly Investment Update: May 13, 2024 - Tate Financial Partners
https://tatefinancialpartners.com
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Click below to read our weekly investment update:
Weekly Investment Update: May 13, 2024 - Tate Financial Partners
https://tatefinancialpartners.com
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Subject: Investment Memo - Recent Decline in Investor Sentiments Dear Investors, We are writing to provide insights into the recent decline in investor sentiment, as evidenced by the latest updates in consumer and investor sentiment indices. The reports from Bloomberg and other financial news sources have highlighted a notable decrease in investor confidence, marking the first decline in several months. Key Points: US Consumer Sentiment Declines: According to Bloomberg, US consumer sentiment fell in late February for the first time in three months. The sentiment index declined to 76.9 from a previous reading of 79, indicating a shift in the outlook of consumers and investors regarding the economy. Expectations and Economic Views Deteriorate: The decline in sentiment has been attributed to deteriorating current and expected views of the economy. Consumers now expect prices to climb at an annual rate of 3%, up from 2.9% in January. Additionally, the measure of expectations dropped to 75.2 from January, signaling a shift in confidence about future economic conditions. Implications: The recent decline in investor sentiments could have various implications for investment strategies and decision-making. As investor sentiment plays a significant role in market movements and investment behaviors, it is essential to consider the following implications: Market Volatility: The decline in sentiment may contribute to heightened market volatility and uncertainty in the near term, potentially impacting investment portfolios and asset valuations. Consumer Behavior and Spending: Deteriorating confidence among consumers and investors may influence consumer spending patterns, impacting various sectors and industries. Recommendations: In light of the recent developments in investor sentiment, we recommend that investors: Monitor Market Dynamics: Stay updated on market movements, sentiment indicators, and economic data to make informed investment decisions in a potentially volatile environment. Diversify Investment Portfolios: Consider diversifying investment portfolios to mitigate risks associated with market uncertainties and sentiment-driven fluctuations. Evaluate Sectoral Impacts: Evaluate the potential sectoral and industry impacts of changing investor sentiments to identify opportunities and risks for investment strategies. Conclusion: The recent decline in investor sentiment signals a noteworthy shift in the perceptions and expectations of consumers and investors. By monitoring these developments closely and considering the associated implications, investors can adapt their investment strategies to navigate the evolving market dynamics effectively. For additional insights and tailored investment recommendations, please do not hesitate to contact our investment advisory team. Sincerely, Gerry Adkins | GM | Family Office & Associates
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In a volatile market, it can be tempting to make hasty decisions in an attempt to mitigate losses or capitalize on short-term gains. However, taking a long-term approach towards investment planning is crucial for success in such conditions. By focusing on the bigger picture and maintaining a diversified portfolio, investors can weather the ups and downs of the market with more stability. It is important to remember that market volatility is a normal part of investing and should not deter investors from sticking to their long-term goals. By staying disciplined and avoiding knee-jerk reactions to market fluctuations, investors can avoid making costly mistakes that could jeopardize their financial future. In conclusion, while it may be tempting to react impulsively to market volatility, taking a long-term approach towards investment planning is key to achieving financial success in the long run. By staying focused on your goals and maintaining a diversified portfolio, you can navigate through turbulent times with confidence and resilience.
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We are testing our view on Investment Diversification. Will it help long-term investors avoid catastrophic periods of underperformance? We’re going to run an example of a Diversified Investor versus the S&P 500 Investor. 🚫 The S&P 500 investor only invests in that index. ✅ The Diversified Investor invests in all 3 major U.S. stock indices as follows: ⅓ in S&P 500 index (large company stocks) ⅓ in S&P 400 index (mid-caps) ⅓ in S&P 600 index (small-caps) Using monthly performance data for these indices since 1994, we’ve constructed 3 “rolling” performance periods: 3-year, 5-year, and 10-year periods. Key observations: On a 3-year basis, it has made little difference to be diversified or not. Best and worst returns between the two investors are similar, as have been the chances of experiencing a loss. 5-year rolling returns are also similar between the two investors, but 🚫 the S&P 500 investor has experienced a loss more frequently than ✅ the Diversified Investor (17% vs. 3%). What about long-term? ✅ Diversified Investors suffered no 10-year period of negative returns and best 10-year period was better than the S&P 500 Investor. 🚫 The S&P 500 Investor’s worst 10-year period saw -29% total returns, while the worst 10-year period for the Diversified Investor was +12%. A long-term investor can overcome a 3-year or even 5-year period of negative performance. But suffering a 10-year period of negative performance – as the S&P 500 Investor did – is hard to overcome. Many investors can get fixated on short-term investment performance. But we're investing our clients for LONG TERM goals. To read more about 2023 portfolio performance, read Robert Stoll, CFP®, CFA article "Does Investment Diversification Matter Anymore?" (🔗 in the comments!)
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Time in the Market vs. Timing the Market: When it comes to investing, one of the most debated topics is whether it's better to focus on time in the market or timing the market. Let's explore the differences and implications of these two approaches: Time in the Market: Investing for the long-term means staying invested in the market through ups and downs, regardless of short-term fluctuations. Historically, the stock market has shown a tendency to trend upwards over time, despite occasional downturns. By adopting a long-term perspective, investors can potentially benefit from the power of compounding and ride out market volatility. Benefits of Time in the Market: 1. Short Term Volatility: Long-term investors are less susceptible to the unpredictable nature of short-term market movements. 2. Emotional Discipline: Staying invested through market fluctuations requires discipline and helps investors avoid making impulsive decisions based on fear or greed. Timing the Market: Attempting to predict market movements and timing the market involves trying to buy or sell investments based on predictions of future market movements. While some investors may have success with short-term market timing, it often requires precise timing and can be fraught with risks. Market timing relies on accurately predicting market peaks and troughs, which is notoriously difficult to do consistently. Challenges of Timing the Market: 1. Market Volatility: Market timing exposes investors to the risk of missing out on potential gains during periods of market growth. 2. Psychological Stress: Attempting to time the market can lead to emotional stress and anxiety, especially during periods of heightened volatility. 3. Opportunity Cost: Missing out on time in the market can result in missed opportunities for long-term wealth accumulation. The Verdict: While timing the market may seem tempting, the evidence overwhelmingly favors the strategy of time in the market for most investors. By focusing on long-term goals, maintaining a diversified portfolio, and staying disciplined during market fluctuations, investors can potentially increase their chances of financial success over time. This material does not take into account a client's particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Investing involves risk including possible loss of principal.
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🌍Founder @ FCP Equity; Portfolio SPVs (value / compounders) read "about us"🌍 (illustrative, not investment advice)
Unlocking Investment Success: Price vs. Value in the World of Finance. Are you a discerning investor looking to navigate the complexities of the financial markets with confidence and precision? In today's landscape, where market sentiment can often overshadow fundamental analysis, it's more important than ever to understand the distinction between price and value. *Price is What You Pay, Value is What You Get At the core of successful investing lies the timeless philosophy of value investing. Coined by legendary investors Benjamin Graham and Warren Buffett, value investing emphasizes the importance of discerning between price and intrinsic value. While price reflects the current market valuation of an asset, value represents its true economic worth based on factors such as earnings, cash flow, and growth prospects. *Avoiding the Pitfalls of Overpaying for Growth In a world obsessed with chasing growth at any cost, it's easy for investors to fall into the trap of overpaying for speculative opportunities. However, such behavior often leads to significant risks, as overvalued assets are prone to sharp corrections when growth expectations falter. Instead, value investors advocate for a disciplined approach rooted in fundamental analysis, which allows them to identify undervalued opportunities and mitigate downside risks. *The Role of Patience and Contrarian Thinking Value investing requires patience and a contrarian mindset. Rather than following the herd, successful investors are willing to go against the crowd, capitalizing on market inefficiencies and exploiting opportunities that others may overlook. By maintaining a long-term perspective and focusing on intrinsic value, investors can navigate market volatility with confidence, knowing that their investments are anchored in sound fundamentals. *Conclusion: Embracing Value Investing Principles In conclusion, value investing offers a robust framework for unlocking investment success in today's dynamic markets. By understanding the distinction between price and value and exercising patience and discipline, investors can potentially achieve superior returns while mitigating risks associated with overpaying for growth. In a world driven by short-termism and speculative fervor, the principles of value investing serve as a beacon of rationality and prudence, guiding investors toward sustainable long-term wealth creation. Are you ready to embrace the principles of value investing. Join the conversation and let's navigate the world of finance together, one value-driven decision at a time. #ValueInvesting #Finance #InvestmentSuccess #Patience #Discipline
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