Hope, optimism, belief, notion… In our line of work, it doesn’t matter how you say it. We’re banking on the idea that, overall, we’ll see more up than down.
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ups and downs
What Would It Take to Retire Early?
Wondering what it takes to retire early? It’s not a universal formula, but we can take the idea of accumulating a million dollars of invested capital as a decent proxy.
How might the numbers shake out?
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In Any Language, There’s One Simple Goal
Hope, optimism, belief, notion… In our line of work, it doesn’t matter how you say it. We’re banking on the idea that, overall, we’ll see more up than down.
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Swimming Upstream
The History of the Stock Market: A 5-Word Story
The entire history of the stock market fits into five simple words: it goes up and down. We can’t know the schedule ahead of time, and this can stir up some stress in the short term. But it seems reasonable to guess this whole “up and down” thing may persist.
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It Goes Up and Down: Some Questions for a Moment Like This
The history of the stock market can be summed up pretty well: it goes up and down. As for the future, we cannot know for certain whether it will continue to go up and down—or on what schedule—but it seems reasonable to take the liberty of guessing this whole “up and down” thing may persist.
When things are down 20% from their most recent peak, and we recognize it goes up and down, this may well be as good a time as any to invest.
We might have a recession, but current lower prices already reflect a lower outlook. You could say sentiment is already in the mix, already baked into prices. And anyway, where there’s a recession, there’s surely a recovery to follow.
Do we know the timing? Nope. But we never do. (That’s where the whole up-down thing comes back into focus.)
There is much we do not know, but we have faith that perhaps our guesses may be good enough to get by. We believe, for example, that in the future there is money to be made by companies that meet our needs. We have a hunch we will continue to eat, shop, entertain ourselves, wear clothes, go places, communicate, create, and do all those other things humans tend to do. And we have an opportunity now to invest in companies that could provide those things then.
Clients, some things to consider at such a moment as this:
- Is there room to start or add to a Roth or IRA?
- Should some funds in a stable-but-stagnant form perhaps be invested for long-term growth?
- Would a Roth conversion make sense given these lower prices?
It goes up and down. And when we invest for the long run, we commit to the ups and the downs both. One never knows when the trend will change, just that it very well may.
If it’s time for you to add to long-term holdings, please email us or call the shop—anytime.
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Play the audio version of this post below:
It Goes Up and Down: Some Questions for a Moment Like This – 228Main.com Presents: The Best of Leibman Financial Services
This text is available at https://www.228Main.com/.
I. AM. EXCITED.
Maybe you’ve noticed… but I can be an enthusiastic fellow! But some believe emotions don’t have a role in investing… I’ve got some thoughts.
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A Million-Dollar Retirement Idea
Wondering what it takes to retire early? It’s not a universal formula, but we can take the idea of accumulating a million dollars of invested capital as a decent proxy. How might the numbers shake out?
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Feel the Churn
Back in the snowbird chapter of my life, we learned that stormy weather—rough seas—washed a wealth of interesting shells up on the beach. Looking for shells was always more fruitful when the weather had been rough.
The world situation and our markets have been nothing if not stormy this year! War has few parallels as a human tragedy; the economic ramifications are widespread.
Some of our holdings have risen in price because of the disruptions: raw materials and miners and energy, for example. Others have gone the other way.
But overall, we’re pleased with how our holdings have behaved.
Just as rough weather washes shells up on the beach, we’ve found new opportunities in the rough markets. The other thing that turmoil brings us is the chance to rebalance—take some money off the top of things that have gone up, add to the bargains that emerge among our holdings.
While some are paralyzed by the commotion, we’re finding that our principles are serving us well:
- We look for the best bargains
- We own the orchard for the fruit crop
- We avoid stampedes in the market
Clients, want to talk more about what this means for you? Reach out, at any time.
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Play the audio version of this post below:
Feel the Churn – 228Main.com Presents: The Best of Leibman Financial Services
This text is available at https://www.228Main.com/.
In Any Language, There’s One Simple Investing Goal
Hope, optimism, belief, confidence… In our line of work, it doesn’t matter how you say it. We’re banking on the idea that, overall, we’ll see more up than down.
Want content like this in your inbox each week? Leave your email here.
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