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Well Balanced | Financial Planning, Bucket-Based Investing, Market Perspective, Wealth Management. A passionate and entertaining look at money and investing in and for retirement. For those that enjoy podcasts like Smart Money, On Investing, and BiggerPockets, Well Balanced is worth adding to your feed. Disclosures about our firm and this podcast. Vector Wealth Management is registered as an investment adviser with the Securities Exchange Commission (SEC). Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Vector’s current written disclosure brochure filed with the SEC discusses among other things, Vector’s business practices, services, and fees, and is available through the SEC’s website at: www.adviserinfo.sec.gov. All content in this podcast is for information purposes. Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation. This podcast and related content are not intended to render personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities or strategies discussed. Please note that neither Vector Wealth Management nor any of its agents give legal or tax advice. The firm is not engaged in the practice of law or accounting. Charts, graphs, and returns do not represent the performance of Vector Wealth Management or any of its advisory clients. Returns do not reflect the impact that advisory fees and other expenses would on the results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s portfolio. All investment strategies have the potential for profit or loss. Past performance is not indicative of future performance. Visit vectorwealth.com/regulatory for the firms form CRS and ADV.
Episodes
Friday Apr 12, 2024
Friday Apr 12, 2024
In this latest podcast episode, David Moser, wealth advisor at Vector Wealth, discusses the implications of missing just the ten best days in the market over 20 years. We look at a recent 20-year period of the S&P 500 stock index and find that its performance was halved from 9.8% annualized to just 5.6% when missing those precious 10 days.
Put another way, an initial investment of $10,000 in the S&P 500, left untouched for 20 years, would have grown to around $65,000. Being out of the market on those ten big-upward-move days would result in the investment being worth just $30,000. *
This episode serves as a reminder of the timeless adage in investing: it's about time in the market, not timing the market. We emphasize the importance of having a plan and sticking to it during periods of heightened uncertainty. Also avoiding the temptation to make emotionally charged decisions.
David points out that many of the best market days are clustered in time near the worst ones, making it nearly impossible to predict the optimal times to enter and exit the market. He advocates for a disciplined, patient approach, focusing on long-term growth rather than chasing short-term fluctuations.
Charts and video available on our blog.
Time & Section Titles
00:05 – Introductions with David Moser
00:52 - The Impact of Staying Invested in the Market
01:39 - Navigating Market Turbulence Over Two Decades
02:21 - The Cost of Missing the Market’s Best Days
03:54 - The Challenges and Realities of Market Timing
05:01 - The Fundamentals of Successful Long-Term Investing
07:11 - Summary: The Importance of Discipline and Planning in Investing
* The historical performance calculations are discussed for illustrative purposes only. Any calculations discussed are gross of fees and reflect the reinvestment of all dividends. If fees were included, returns would be lower. Past performance is not indicative of future returns. An individual cannot invest directly in an index.
vectorwealth.com/regulatory
Media ID: V24081108
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