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Why? Why is it so difficult to make money via the investment route. Spoke with my Edward Jones guy
today. The market swings leaves nobody untouched!! Last week it seemed either little activity then
today a break even 161 jump still not compensating losses? You either need to do hourly homework
or perhaps daily charting of options, but it takes tenaciousness and time! Back in the day I had American Funds, Templeton, and Fidelity products all doing 10--15 % plus a variable insurance that did 35% return paying off principle and when I cashed it in a downpayment on a condo!!! This is the Shemitah jubilee year as was the year of the big crash in 1929 . Using Shemitah cycles is another mapping many don't get including leaders in finance.
Not sure what you are talking about - annual gains? Any investment paying 35% return for a year is very unusual, so if you are expecting that year in and year out, you are dreaming. Most of the market is up ~10% over the last 3 months, so not sure why you are complaining.
up is a relative term . less bad doesn't mean good . yeah we are not down 15% but up 1% ain't good either .
as a new retiree , spending down now , last year my portfolio was up 1% and so far this year up 1% . that is not good when spending down . for a new retiree you are burning principal with these returns right out of the gate . so far it is an awful way to start out .
yeah , it could have been worse but when spending down if you are burning capital day 1 it is akin to a trader having a string of losing trades .
hopefully things will p/u and at least support a 4% draw rate .
up is a relative term . less bad doesn't mean good . yeah we are not down 15% but up 1% ain't good either .
as a new retiree , spending down now , last year my portfolio was up 1% and so far this year up 1% . that is not good when spending down . for a new retiree you are burning principal with these returns right out of the gate . so far it is an awful way to start out .
yeah , it could have been worse but when spending down if you are burning capital day 1 it is akin to a trader having a string of losing trades .
hopefully things will p/u and at least support a 4% draw rate .
.
This is why you shouldn't have sold your real estate.
Not sure what you are talking about - annual gains? Any investment paying 35% return for a year is very unusual, so if you are expecting that year in and year out, you are dreaming. Most of the market is up ~10% over the last 3 months, so not sure why you are complaining.
Wrong. The SP500 is up 1.03% YTD. The only major market sector that is up over 10%+ year to date is utilities. Barlclay's aggregate bond index is up somewhat over 3% during the same time frame.
What do you think "most of the market" is? And do you always measure everything from the most recent bottom to today's prices? If so - why? Especially if you don't trade at all. I trade - and what I look at is my gain or loss from the time I entered a position.
FWIW - I don't think the markets are particularly good. But I don't think they're particularly terrible either. Have seen much worse. Robyn
markets only are good or bad to you as robynn said . looking at index's , the past or any other benchmark means nothing if it isn't your money getting that .
being part of the great bull market of the 1980's and 1990's mean nothing if only a small part of your money was in it no matter how it beefed up returns in that period .
Saying if the market is up 1% or 10% is meaningless if you aren't comparing the net gain/loss to inflation. So what if you're up 10% YOY if inflation was also up 10%? If you're up 15% and inflation was only 1% then that's saying something!
That is the problem money has seen since 2000 .any money invested up to that point has grown beyond that point by only 1.80% in real return as a yearly average.
If you added new money since you did okay but anything older not so good.
It's hard to make money in the markets lately because of volatility and destabilized worldwide markets and their affect on U.S. markets. And when people get scared they tend to sell and people react to uncertainty. It's not always rational. That said, there are people who make money in any market, be it bull or bear or some combo. There's no one path to making money in investments, there are many paths, and that too makes it difficult. If there was one recipe that worked 100% of the time we'd all just follow it (or at least I would).
No one wants to deal with the fact that making enough to retire might take 30 to 40 years and that's with diligence to the task. But the folks who tend to do okay are the ones who keep building their nest egg slowly over decades. It's more rare that someone makes all their retirement monies in the span of 15 years. It happens for sure, but that's not the norm.
Diversify and keep saving as much as you can for as long as you can. Take some risk in your investments and prepare yourself mentally to ride out the roller coaster that always happens from time to time. That's the advice all the experts agree on. Don't put all your eggs in one basket or investment unless you're willing to risk it all. Risk isn't bad, and some of it is necessary to get the upside. Diligence and a commitment to 'paying yourself first' are good foundational behaviors that will serve you well.
You can't control the markets but you can strap yourself in tightly and be willing to participate over the course of a long time.
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