EFFICIENT or LUCK-Easy choice!
STOP GUESSING!! DON'T LET A FOOLISH PROCESS BLOW UP YOUR FINANCIAL WORLD!
Messing Up the Closest Thing to a Sure Thing in the Stock Market - Jason Zweig WSJ 8/23/24
“Index funds have made investing simple—but not easy. If you buy a handful of index funds, sit on them for decades and never do another thing, you’re likely to outperform nearly everyone who tries to beat the market by trading—including most professionals.”
But what’s the fun in that? Can you endure a lifetime of barbecues and cocktail parties where other people brag about their winning trades and all you can do is mutter, “Umm, I own index funds and I haven’t made a trade in a decade”?
This quote is from this weeks WSJ article by Mr. Zweig. “Over the 10 years ended Dec. 31, 2023, Morningstar found, investors in the aggregate earned an average of 6.3% annually, or 1.1 percentage points less than the mutual funds and ETFs they owned.”
Thats pretty interesting, but how about this quote, ALSO from Mr. Zweig, but from an article May 12, 2014 WSJ
“A new study finds that the average investor in all U.S. stock funds earned 3.7% annually over the past 30 years—a period in which the S&P 500 stock index returned 11.1% annually. That means stock-fund investors underperformed the market by approximately 7.4 percentage points annually for three decades, according to Dalbar, a financial-research firm in Boston that has updated this oft-cited study each year since 1994.”
WOW - I’m RARELY at a loss for words, but this statement, from a guy whom I generally respect as a straight shooter, BLOWS MY MIND!!
How about writing the same basic story every ten years - with NO SOLUTION OFFERED TO FIX THIS PROBLEM!!
IS IT FUNNY TO POINT OUT THAT PEOPLE ARE THEIR OWN WORST ENEMY WHEN IT COMES TO INVESTING?
NO, PEOPLE NEED TO HEAR AND UNDERSTAND THAT!
People DON”T NEED A MAGICAL SOLUTION!
THEY NEED TO IMPLEMENT A PROCESS THAT ALWAYS WORKS!!
Welcome to Smart Structure Models!!
Our models use YOUR INPUTS to define the perfect investment STRUCTURE to meet YOUR GOALS - over extended periods!
We enable you to “hit singles” every day, nice and boring, you win when markets are up, down and even when they’re flat!
You Rebalance your portfolio annually (pay taxes at LTCG rates) AND RESET your NEW FLOOR or “Worst Case Scenario”
When markets get TURBULENT OR SCARY - YOU DECIDE whether to get more aggressive or to sit tight, YOU’LL NEVER PANIC!
You bring EFFICIENCY to your financial world - as we introduce FUNGIBILTY to your financial life.
STOP GUESSING, HANDLE YOUR INVESTMENTS AND FINANCIAL LIFE LIKE AN ADULT, WITH DISPASSIONATE EFFICIENCY!!
Let US show you how!!