April 18, 2013

Upcoming Seattle Events, and a bit about Buy-and-Hold and Market Timing Strategies

Dear Friends,

I am pleased to let you know about two presentations I’ll be giving in the Seattle area in May. Even if you don’t live in the area, maybe you know someone who does, or could kindly share the links on your social media? You do not have to be a member of either organization to attend but, as space is limited, please make a reservation.

On May 15 at 7 p.m., on Mercer Island, I will presentFinancial Fitness After 50 to the American Association of Individual Investors (AAII Puget Sound).Read more…

On May 23 at 7 p.m. in Seattle, I will presentMy 30 Year Affair with Market Timing: The Good, the Bad and the Ugly, to the Market Technicians Association (MTA), Puget Sound. Read more…

 Among the many topics I’ll be discussing at these events are buy-and-hold and market timing. I know it’s unusual to believe in both, as there are many investors who feel strongly about buy and hold while others will not maintain buy-and-hold investments. My goal has been to help both groups of investors, working with their core investing strategies.

When I was working professionally, I found that about 70% of our clients were absolutely committed to buy-and-hold and were willing to live with the unlimited downside in the equities part of the portfolio. Of course, they usually held part of their portfolio in bond funds to create a limit as to how far down the entire portfolio might go.

About 15% of the clients would never accept a decline without some exit strategy. Market timing was an answer for many of those investors, as it offered reasonable upside with an attempt to protect against the catastrophic losses of a big bear market. And the final 15% found comfort in a combination of both timing and buy-and-hold. The buy-and-hold portfolio almost always did better in bull markets and the timing almost always did better in bear markets.

The combination provides a portfolio that almost always has something that seems to be doing the right thing. There is no perfect strategy. The goal of any advisor or educator is to help investors find an investment discipline that will work in all market environments. For some it is buy-and-hold, for others timing, and for a small percentage it’s a balance of both.

I hope you’ve signed up at my website and received your FREE eBook copy of “101 Investment Decisions Guaranteed To Change Your Financial Future.” Your sharing my books, podcasts and articles is always appreciated, along with reviews at Amazon.com where positive reviews help spread the word about my books, so more people can enjoy more money, less risk and more peace of mind.


To Your Success,


Smart retirement investing, Buffett style
I have learned a lot from Warren Buffett, widely regarded as one of the best investors of our times, and I keep learning more.


Four home runs for your 401(k) or IRA   

Today I’ll tell you how to hit

four homers with your retirement savings. Every one leads to a predictable win. In fact, one of them produces three wins all by itself. Together, they can add up to a winning season.



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