{"id":1851,"date":"2021-09-27T15:04:12","date_gmt":"2021-09-27T15:04:12","guid":{"rendered":"https:\/\/www.gunderwealth.com\/?p=1851"},"modified":"2021-09-28T17:43:08","modified_gmt":"2021-09-28T17:43:08","slug":"client-question-of-the-month-oct-2021","status":"publish","type":"post","link":"https:\/\/www.gunderwealth.com\/client-question-of-the-month-oct-2021\/","title":{"rendered":"Client Question of The Month"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; _builder_version=&#8221;3.22.3&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.25&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/www.gunderwealth.com\/wp-content\/uploads\/2021\/09\/Untitled-design-1.png&#8221; alt=&#8221;Client questions&#8221; title_text=&#8221;Untitled design&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;on&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.10.8&#8243; max_height=&#8221;800px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.10.8&#8243; ul_line_height=&#8221;1.7em&#8221; header_line_height=&#8221;1.5em&#8221; header_3_line_height=&#8221;1.5em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Client Question of The Month: What Should We Do?<\/h2>\n<ul>\n<li>Should we get out of the market?<\/li>\n<li>Should we invest more money?<\/li>\n<li>How can we take advantage of current tax rates?<\/li>\n<\/ul>\n<p>There is a fine line when it comes to doing something vs. nothing.\u00a0 The response \u201cstay the course\u201d lacks conviction if your trusted resource performs little research over market conditions or the tax landscape. Instead, it\u2019s about <strong><em>understanding<\/em><\/strong> the market forces and <strong><em>relating<\/em><\/strong> them to the impact on YOUR plan. If the message remains the same, then you have greater comfort knowing that doing nothing is exactly the right thing to do.<\/p>\n<p>Thought of another way: How do you <strong>quantify the cost<\/strong> of inaction vs. action?\u00a0 This reminds us of a <a href=\"https:\/\/www.linkedin.com\/feed\/update\/urn:li:activity:6778326877766512640\">post<\/a> earlier this year: Don\u2019t be upset about the unicorns you missed out on. Be happy about the monsters you avoided.<\/p>\n<h3><strong>What does it cost<\/strong> if you:<\/h3>\n<ul>\n<li>Get out of the market during a pullback, but don\u2019t get back in right away?<\/li>\n<li>Delay establishing a systematic investment program?<\/li>\n<li>Fail to plan altogether?<\/li>\n<\/ul>\n<h3>Here are some items we recommend doing:<\/h3>\n<ul>\n<li><strong>Build your plan<\/strong>\n<ul>\n<li>Revisit it at least annually \u2013 even if only for 30 minutes!<\/li>\n<\/ul>\n<\/li>\n<li><strong>Perform tax-loss harvesting<\/strong><\/li>\n<li><strong>Consider Roth IRA conversions <\/strong>(at least while they\u2019re still permitted!)\n<ul>\n<li>Is your income down this year or projected to increase in the future? Then there may be an opportunity to convert funds from your IRA to a Roth IRA.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Review your life insurance<\/strong>\n<ul>\n<li>Sleep in peace, knowing you\u2019ve addressed your insurance needs.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>Here are some items we <strong>don\u2019t<\/strong> recommend doing:<\/h3>\n<ul>\n<li><strong>Time the market<\/strong>\n<ul>\n<li>You have to be right TWO TIMES: when to GET OUT and BACK IN.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Let head trash win<\/strong>\n<ul>\n<li>In Daniel Crosby\u2019s book, <a href=\"https:\/\/www.amazon.com\/Laws-Wealth-Psychology-Investing-Success\/dp\/B07RWDHRS3\">The Laws of Wealth<\/a>, he notes that your brain actually stops thinking when you listen to the \u201cfinancial experts\u201d on the news, making it easy to digest what they say as the absolute truth.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Consider this approach as outlined by <a href=\"https:\/\/www.standarddeviationspod.com\/bio\">Crosby<\/a>:<\/p>\n<h3><strong>Think. Ask. Do. <\/strong><\/h3>\n<ul>\n<li>Worry less about the economy and <strong>more about your economy.<\/strong><\/li>\n<li>Does the news matter to you and your situation?<\/li>\n<li>Bucket your assets according to your goals.<\/li>\n<\/ul>\n<p>To conclude, we think it\u2019s worth quoting a <a href=\"https:\/\/us.dimensional.com\/\">DFA<\/a> article we read recently, which is one the portfolio managers utilized in our investment models. The message here is that we\u2019re bound to hit bumps (or potholes here in Michigan) in the road but don\u2019t let that deter you from recalibrating your plan.<\/p>\n<p><em>&#8220;The snowiest month in Vail is February. There are typically 4.5 snowy days per week with an average of 10.6 inches of snowfall every week. If you were to visit Vail during February and there was no snowfall, would you start to question if February is the best month to visit Vail if you&#8217;re looking for fresh snow? Or would you chalk it up as an outlier event?<\/em><\/p>\n<p><em> History has shown February is the snowiest month in Vail. However, there will be times when you visit Vail in February and don&#8217;t get any snow. Just like when pursuing premiums, history has shown that small caps outperform large caps, value stocks outperform growth stocks, and high profitable stocks outperform low profitable stocks. Does this happen over every time period? No, realized returns are volatile, but the longer you stay invested, the greater the chance of capturing the premiums and having a successful investment experience.\u201d<\/em><\/p>\n<p>If you have a question for us or need help establishing, or revisiting your plan, feel free to <a href=\"http:\/\/www.gunderwealth.com\/contact\">connect with us<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Client Question of The Month: What Should We Do? Should we get out of the market? Should we invest more money? How can we take advantage of current tax rates? There is a fine line when it comes to doing something vs. nothing.\u00a0 The response \u201cstay the course\u201d lacks conviction if your trusted resource performs [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":1853,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\r\n<p>Welcome to WordPress. This is your first post. Edit or delete it, then start writing!<\/p>\r\n<!-- \/wp:paragraph -->","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[24],"tags":[128,127,126,125,124,122,123],"class_list":["post-1851","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-food-for-thought","tag-client-question-of-the-month","tag-client-questions","tag-fail-to-plan","tag-invest-in-the-market","tag-stay-out-of-the-market","tag-tax-legislation","tag-what-should-i-do"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Client Question of The Month - Gunder Wealth Management<\/title>\n<meta name=\"description\" content=\"What Should We Do? This is the client question of the month! 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