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Matt’s Thoughts On The Market: Past, Present & Future

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In this episode of Matt’s Minutes, Matt shares his personal thoughts on markets: past, present, and future.  This is something we don’t normally do. Be sure to watch the video, I’ll cover:

 

  1. Inflation
  2. Future Rate Hikes
  3. Market Cycle
  4. What I see happening in the near future

 

Don’t hesitate to reach out if we can offer clarity to you or anyone that you care about.

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Is This The Recession We Have been Waiting For?

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In this episode of Matt’s Minutes, I share my thoughts and opinions on the recent market volatility we’ve been experiencing. Ultimately my primary focus is to educate my clients & provide good foundational advice. If you’ve been watching your accounts or the news and have been concerned about what you’re seeing and hearing, watch the video below.

 

In this video I share:

  • The average yearly pull back in the market
  • History of the markets
  • A 10% pullback in the market isn’t newsworthy
  • How much the market pulled back during 2020 in the beginning of COVID-19 & it’s recovery

Be sure to check out the video I sent out nearly one year ago – referenced in the above video.  My thoughts on the market were accurate:

 

Are we headed for a correction?

https://vid.us/j5buxf

(Copy and paste this link into a chrome, internet explorer, or safari web browser to view the video)

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A Brief Discussion About I Bonds

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This week we are talking about I bonds, purely to educate and inform on what they are as we have been getting a lot of questions recently. Series I Savings Bonds are a government-issued bond earning interest based on a fixed rate plus a variable rate based on inflation. This savings bond is issued directly by the U.S. Treasury and cannot be held at any brokerage firm or sold at banks.

  • Per person maximum annual investment = $10,000 (plus $5,000 using federal income tax refund)
  • 30-year maturity. Cannot be redeemed prior to one year. If redeemed after one year but before five years, the holder forfeits the last three months of interest.
  • The current variable rate (based on CPI-Consumer Price Index) on the new Series I Bond changed in May to 9.62%. This rate will be good through October.
  • The variable rate resets every six months.
  • To buy Series I Savings Bonds go to TreasuryDirect.gov . They are NOT SOLD IN OPEN MARKET, BANKS or RAYMOND JAMES.

Please refer to https://www.savingsbonds.gov for all information or to address any questions you may have.

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Is now a good time to sell and move to cash?

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A common question that people sometimes ask is: “Does it ever make sense to get out of the market, or at what point in time does it makes sense to get out of the market?” Today in Matt’s Minutes we discuss this concept by using an example of two different investors. One investor that rides the ups and downs of the market and then the other who gets out and misses the downturn and then back in when they are feeling more comfortable. This is an age-old conversation that people have had and will continue to have. Our advice has always been and will always be that getting out of the market only to get back in when they feel more comfortable is a 100% losing proposition. The reason is in Matt’s almost 20 years of experience he has never seen anyone effectively execute this. Periodically we have clients say that they know people that have been lucky enough to sell prior to a drop in the market and bought back in at the right time, but the key word here is LUCK. Luck is not a strategy; therefore, it should not be relied upon.

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Phone: 360-692-1777 | Fax: 360-692-5015

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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.

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