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Let’s Talk Cryptocurrency!

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That’s right—you read the title correctly. I’m finally sharing my thoughts on cryptocurrency! In this video, I dive into its role as both a currency and an asset. I highlight some of the challenges it faces in each category and what that might mean for its place in a portfolio.  Technology seems to be moving at the speed of light and regulations change almost daily, I would never say that this type of investment would NEVER make sense inside of a portfolio.  But for our clients today, I say that with the unstable, unknown and highly regulated nature of this investment, it becomes virtually impossible to rely on.

Click above to watch the full video, and here’s the article I reference: “Does Crypto Deserve a Place in Portfolio Construction?”

Why Hail Mary Plays Rarely Win the Game in Investing

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In this week’s Matt’s Minutes, I share an idea for the first time ever!

I draw a parallel between baseball (Football, not baseball) and investing to highlight an important lesson: It’s rarely the “hail mary pass” at the end of the game that wins the game. If you aren’t sure what I am referring to, allow me to explain.  A hail mary pass is a desperation pass from the QB to no particular person in hopes that one of their own team members secures the ball in the endzone in an attempt to win the game. Sure, every once in a while it works (it worked a couple weeks ago in fact).  Many clients come to me with regrets about not investing in a particular ‘hot’ stock, but the truth is, we don’t rely on high-risk, high-reward strategies.  If football teams relied on the hail mary pass as their strategy to win, their win/loss record would be dismal. In this video, I share a personal story where a hail mary investment in my own personal account was successful, but it didn’t significantly impact my overall portfolio. Click the video above to understand why steady, strategic plays are the real game changers in your financial journey.

What Does Matt’s Crystal Ball Say?

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Curious about what happens to the stock market after the Fed cuts interest rates? In this video, we discuss how cash, stocks, and bonds have historically performed after a Fed rate cut—1, 3, and 5 years later. While we don’t have a crystal ball, history shows us some interesting patterns, and you might be surprised at how cash performs over the long term. If you’re currently enjoying returns from money markets or CDs, it could be a temporary situation. Watch the full video to hear Matt’s insights and see the historical data that may guide your investment decisions.

Is A Money Market Account The Best Place To Keep Your Money?

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Is a Money Market Account the best place to park your money right now? In this video, I share an interesting visual breakdown of how money market and CD rates compare to the Fed funds rate. With the Fed cutting interest rates, these traditional savings options might not be the most advantageous for your money. Click on the video to explore the data and find out more. Have questions about your individual financial situation? Please don’t hesitate to reach out. 

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The Danger Lies In The Trek Down The Mountain

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 In this video Matt is standing on the top of a mountain in Lake Chelan. He’s discussing how hiking a mountain parallels the risks people face once they retire. It’s often been said that people are more likely to be injured or killed descending a mountain than climbing up it. Retirement is no different. Making a mistake with your investments while still working (climbing the mountain), will more than likely not end in calamity. However, making a mistake in retirement (descending the mountain) may not be something that can be recovered from. As a point of reference, Matt isn’t trying to impose fear on those of you that are retired regarding a market downturn. He’s referring to being overly risky when you don’t need to, taking speculative bets with investments that you may not fully understand, panicking and getting out of the market until you feel more comfortable. These are instances that you have control over and avoided with sound guidance.

Here at Ross Financial we specialize in helping people navigate the complexities of retirement. If you know people who are retired or thinking about retiring within the next 5 years, we would love to offer our expertise to them. Feel free to share this video with them.

Let’s talk politics

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In this week’s Matt’s Minutes we touch on that timely topic that gets brought up to us every 4 years. There is always going to be different thoughts and opinions on how each presidency could affect the market differently but as we discuss in this video. Many common misconceptions for the past two presidents have proven to be opposite of the actual case. For example, the Biden administration campaigned on scaling back fossil fuels and galvanizing renewables. One would have expected traditional energy stocks would be punished, while renewables would be catapulted. Instead, the exact opposite has happened. On the other hand, President Trump campaigned vigorously to support the traditional energy industry and approve leases for drilling during his presidency. However, during his presidency the S&P 500 Energy index was down, while the S&P 500 Global Clean Energy index was up significantly. This is a perfect example of why we here at Ross Financial strive to keep our clients in diversified portfolios and try to steer clear of attempting to time the market or use speculation.

The article below outlines the source for the statistics mentioned.

https://am.jpmorgan.com/us/en/asset-management/adv/insights/market-insights/market-updates/on-the-minds-of-investors/how-much-does-policy-influence-sector-performance/

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Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Constellation Wealth Services is not a registered broker dealer and is independent of Raymond James Financial Services.

Matthew Ross has been named 2024 Forbes Best-In-State Wealth Advisors, developed by Shook Research, is based on the period from 6/30/2022 to 6/30/2023 and was released on 4/3/2024. 42,108 nominations were received, and 8,500 advisors won. Neither Raymond James nor any of its advisors pay a fee in exchange for this award. More: https://bit.ly/43DMgjX. Please see https://www.forbes.com/best-in-state-wealth-advisors for more info.

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