Wealth Health Blog

Thoughts on all things Wealth Health - especially Cash Flow, Investing and College Planning

The Two Essential Financial Factors to a Happy Life

bigstock-financial-factors-levers-114963524-MIn the past 14 years as a professional, I have come to understand that there are (at least) two essential financial factors to a long-term happy life. Get these two things right and you'll avoid the vast majority of major problems that can prevent you from being happy and productive. Ignore either one and you're asking for trouble. Quite simply these two points are:

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Why Tactical is Better for Your Portfolio Than Buy and Hold

bigstock-Mistake-Concepts-With-Oops-Me-68410360-SThe Winklers had over $500,000 in their retirement portfolio - the result of a frugal lifestyle and saving every extra dollar they could. They would have to trim expenses further to make it work, but they were exhausted and ready to retire. The year was 2007. We all know what happened next. The stock market plummetted 53%. The Winkler's portfolio - conservatively invested (or so they thought) - did much better and only lost 23%. Still, $128,000 disappeared and with it any chance to retire for many years to come.

The "Buy-and-Hold" approach to portfolio investment is often cited as the best way to manage investments. Unfortunately for you and most unsuspecting investors, it is far more likely to cause you harm than to help you, at least over the next 20 years.

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A Stock Market Martian

Stock Market Martian landscape

When bad stuff happens in the investment world, be a Stock Market Martian.

Mark Watney is left for dead and abandoned on the surface of Mars. He figures out how to survive for years on a planet where nothing grows and and the atmosphere is toxic to humans. Needless to say, he is forced to improvise or, as he says, “science the heck” out of his problems.

While Watney’s story takes the context to much higher level, even on Earth life is full of stressful unknowns. There are two ways to deal with them: reaction or readiness. The Martian explores and contrasts both approaches in extreme conditions. Really bad stuff happens in space. While Watney does flirt with despair and other non-productive, fear-based reactions - he is human after all - he survives because he takes the readiness approach drilled into him through years of training.

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The Legal Stuff:

ALTUS Wealth Solutions is a Virtual Registered Investment Advisor firm (registered with the State of California) created in late 2007 (proof that market timing is not our specialty – then again, nobody can time the market). We are NOT affiliated with any broker or dealer. We provide financial planning and investment management services for a fee, are not paid to make any specific recommendations and do disclose any and all conflicts of interest with the advice that we give.

All advisors and staff of ALTUS Wealth Solutions adhere to the fiduciary standard of care. We make every attempt to do whatever is in our clients’ best interest and put those interests ahead of our own.

John Buerger is the founder, owner, Chief Investment Officer and financial planner. John is a CERTIFIED FINANCIAL PLANNER™ professional with a BA in Economics from Middlebury College and a Masters of Science in Financial Services (MSFS) from the American College in Bryn Mawr, PA.

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