Money Matters with Wes Moss – May 10, Hour 2

In the second hour of the Money Matters Radio Show, Certified Financial Planner™ Wes Moss continues the discussion of five keys to investing in volatile times.

5 Keys for investing in volatile times
Rules that I’ve seen very successful investors follow religiously

1. Remember times are ALWAYS Volatile and uncertain
   1. US Since 1900 34 bear markets = every 3.1 years
   2. Remember the 1940s Pearl Harbor and WWII…France had fallen but if you missed 1942-45 you missed 150%
2. Invest For Yourself! YOUR GOALS
   1. Goals, Risk, Time Horizon, and Debt gone first (saving pyramid)
   2. Emergency Cash, ST Cash, Match 401k, Roth IRA, Max 401k, Taxable
3. Emphasis on Income, Discuss Bogle “own your age in bonds”…
   1. Use only as a guide
   2. Understand Fixed income risk/reward
4. Difficult to Time
   1. Stats…New updated research on the S&P 500 shows the following, even after a terrible 2008…20 YEARS
   2. 1989 through 2008…$10K = $49k or 8.3% missing no days
   3. 1989 through 2008…$10K = $16k or 2.4% missing 20 days
5. RELAX:
   1. Monitor, Stay informed, rebalance, work with an advisor, feel comfortable, SWAN…because with the right planning you can relax
   2. Small, non-drastic changes

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