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  • Writer's picture Treavor Dodsworth CFP®, CPA, CKA®

#149 - The Bear in the Room - Part 1

The Bear in the Room - Part 1

While I hesitate to bring attention to the bear market, I also don’t want to pretend it doesn’t exist.

At the time of my writing, VTI - Vanguard Total Stock Market (a US ETF) is down about 25% YTD. The market is in a bear market and it does not feel good.

First, I validate the concern. I don’t enjoy it either. I personally have investments and I also have a sense of responsibility for all of my clients. Bear markets are NOT fun.

Our pastor’s wife says (admittedly in a completely different context but I think it applies here), feelings make great messengers but terrible masters. Everyone knows the axiom “buy low, sell high.” Unfortunately, our emotions oftentimes tell us the exact opposite. Fear says sell when the market is dropping and greed says buy when the market is rising.

We shouldn’t allow our emotions to ultimately guide our investment decisions. Our investment decisions must be principles based.

Bear markets are a reality to investing. In the midst of bear markets, I believe in sticking to the principles. I believe in investing in a well-diversified portfolio that takes into account your goals and risk tolerance. I believe in not attempting to time the market. I believe the market in the long run will be higher than it is today.

Thank you for reading!


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