Hey there,
I get it—you’re keeping a close eye on your Investment balance. You’ve worked hard for your money, and you want to protect it. Totally understandable! But here’s the truth: constantly checking your account isn’t helping. In fact, it’s probably making things worse.
Let’s take a step back.
When we built your Financial plan, we designed it for the long haul—to give you an income you won’t outlive and, hopefully, a meaningful Financial Legacy. To make that happen, your money is invested in a well-structured, historically resilient portfolio—one built to grow over time.
This portfolio is mostly made up of global equities (aka shares in the world’s greatest companies), with a bit of bonds and cash for stability and cash flow. It’s built for long-term success, not short-term drama.
And here’s the key thing to remember: volatility is normal.
- Every year, your portfolio will likely experience a temporary decline. On average, that drop is around 14%.
- Every few years, we’ll see something bigger—a so-called bear market, where values might fall by 20% or more.
- But guess what? It always recovers.
The less you look, the better you’ll feel—and the better your results will be.
The smartest investors stay focused on the long-term. That’s why most of my clients check their accounts once a year, max—usually during our annual review. They don’t get sucked into market noise, they don’t stress over daily ups and downs, and they get to spend more time doing what they love.
Think about it: if a tree falls in the forest and no one hears it, does it matter? If the market drops for a bit but you’re not looking, does it really affect you?
Of course, if something in your life changes, we’ll adjust the plan. That’s what we’re here for. But refreshing your account balance every week (or worse, every day)? That’s just a recipe for stress.
So, long story short: stop logging in! It’s bad for your Financial health.
Trust the process. Stick to the plan. The future is bright.
Customer Focus Award
