Real Life Investment Strategies #1: Will Geopolitics Ruin My Financial Plans?

Timeless financial tips are well and good - but how do they apply to my investment decisions in real life? To address that question, I’m launching Lowrie Financial’s “Real Life Investment Strategies.” Each post in this new series will use case studies to illustrate the choices real people are making, as they contemplate money management concerns in real time. Many have active concerns around geopolitical events and their impact on their financial futures - clear theme emerges: • worrying thoughts about current events, • what the geopolitical climate may mean to your money, and • what investment strategies to avert setbacks for your financial future So, let’s address some of the more worrisome flash points looming large at this time: the world, its politics, and its politicians.

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2023 Financial Year in Review | 2024 Investment Market Outlook

You might assume, the more experienced a financial professional is, the more accurate they can be with their year-end forecasts. Personally, I’ve never tried to predict which hot or cold stocks, bonds, sectors, or market sentiments to chase or flee each year. Instead, the more experience I’ve gained, the more firmly I believe in the Timeless Financial Tips I shared throughout 2023. For me, they serve as the best guide for “predicting” what investors should expect in 2024. So, considering everything I’ve learned in 2023 (plus the quarter-century prior), I predict … We cannot possibly predict how 2024 markets will perform. That’s my expert forecast, and I’m sticking to it. I will, however, add one more prediction, about which I am nearly as certain … Over time (think multiple years), capital markets WILL deliver positive returns to those who consistently participate in their expected growth.

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Timeless Financial Tips from 2023 As We Turn to 2024

Yet another year has gone by. With 2023 behind us and 2024 on the horizon, it’s important to take stock, set goals, and make plans – keep steadfast in your quest for long-term financial planning and wealth management success. In 2023, I shifted my focus to keep some core financial planning principles at the forefront of your mind. These principles are timeless and are a good touchpoint for whenever your financial resolve starts to soften. Let’s look back at these timeless financial tips from 2023…

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Play It Again, Steve – Timeless Financial Tip #8: 6 Enduring Insights for Fixed Income Investing

When’s the last time someone tried to talk you into chasing a “hot” Treasury bond run — NOW, before it’s too late! Probably never, right? Most of us recognize that’s not what fixed income investing is for. Bonds create stability; stocks and alternatives are where the excitement is at. And yet, I often see people forgetting this timeless truth, or at least investing as if they have. Plus, to further complicate things, not all bonds are created equal. This can trick you into thinking you’re playing it safe … Following are 6 best practices for fixed income investing across all kinds of markets, whether rates are rising, falling, or in a holding pattern.

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Play It Again, Steve – Timeless Financial Tips #1: Repeat After Me: “It’s Already Priced In”

Whenever you try to buy low or sell high, who is the force on the other side of the trading table? It’s the market. The market includes millions of individuals, institutions, banks, and brokerages trading hundreds of billions of dollars every moment of every day. It includes highly paid analysts continuously watching every move the markets make. It includes AI-driven engines seeking to get their trades in nanoseconds ahead of everyone else. And you think you can beat that? We believe it’s far more reasonable to assume, by the time you’ve heard the news, the collective market has too, and has already priced it in.

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2023 New Year Insights from an Independent Financial Advisor

After years of focused financial planning, 2022 (and the previous few years) may feel like it’s upended your financial future. Although 2022 gave us unwelcome results, weathering these market storms does take some dedicated resolve to stay on course to meet your long-term financial goals. So, with this new year upon us, let’s round up some of the best blogs from 2022 to help support your 2023 financial planning decisions.

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This Is Your Investment Brain on Pessimism

Have you been reading the headlines, viewing your investment portfolio, and assuming the worst is yet to come? Welcome to your painful crash course on what market risk really looks like—and more importantly, how it feels. Most investors say they’re ok living with periodic market risk, as long as it helps them achieve better returns over the long run. We accept (in theory) that tolerating the interim damage done to our own investment portfolios will help us meet our long-term financial goals. But that’s investment risk in theory. Since it’s been a long time since we’ve encountered an extended bear market climate, you may have forgotten or never known the reality of it. It may not have clicked then, when significant market declines happen, it is usually due to despairingly bad news … amplified by headlines screaming how things are only going to get worse from here. The reality is, when we’re in the middle of a storm of stuff, our behavioural biases make it very difficult to believe we’ll ever see better days.

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Mid-Year Observations – 2022: The Impact of World Events on Investments

There is no denying that this year – 2022 – has been a roller coaster for investors. With the geopolitical climate impacting markets, interest rates rising, unexpected high inflation and a possible recession looming… there is a lot to navigate. It’s mid-2022 and a perfect time to revisit what’s happened so far and how best to cope with the intimidating financial markets. Let’s start with the big action items that have impacted the markets in 2022…

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Time to Go on a Financial Media Diet

Stock and bond markets plummeting in tandem, the war in the Ukraine, rises in interest rates, threats of a looming recession … You’re probably already well aware of the volume of news wearing us down. As I wrote to my clients, “the financial press has gone on a feeding frenzy in response, serving up heaping helpings of negativity upon negativity.” On many fronts, times are indeed disheartening, and we’re as worn out as you are by the weight of the world. That said, there are already way too many outlets cramming worst-case scenarios down our throats and crushing investment resolve. To offset a bitter pill overdose, following are a few more nutritious news sources to reinforce why we remain confident that capital markets will continue to prevail over time, and that long-term investors should just stick to their plan.

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Six Ways a Recession Resembles a Bad Mood

There’s been a lot of talk about recessions lately: Whether one is near, far, or perhaps already here. Whether we can or should try to avoid it. What it even means to be in a recession, and how it’s related to current market turmoil. To put market and recessionary concerns in perspective, it might help to describe six ways a recession resembles a bad mood. There are some intriguing similarities!

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