{"id":9535,"date":"2020-07-09T15:40:21","date_gmt":"2020-07-09T20:40:21","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=9535"},"modified":"2020-11-16T14:02:16","modified_gmt":"2020-11-16T20:02:16","slug":"investing-during-pandemic","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/investing-during-pandemic\/","title":{"rendered":"Four Insights on Investing During the Pandemic"},"content":{"rendered":"\t\t
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Unusual times often illuminate guiding principles. Here\u2019s four from one of our most experienced advisors.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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At this very moment, we are living through an extraordinary time. Have you found yourself staring at the stock market tickers and wondering: will things ever<\/em> settle down?<\/p>

Maybe you\u2019ve even been tempted to take your money and stick it under your mattress until it\u2019s over. Or, is there a better, more strategic approach you should be taking to come out ahead in the long term?<\/p>

These are the kinds of questions that motivate Hunter Satterfield, CPA, member of CWA\u2019s investment committee and avid learner. After seeing the uncertainty and fallout of the 2008 financial crisis, Hunter and others set out to codify a set of rules that became the five pillars of investing at CWA.<\/p>

Those pillars are asset allocation, diversification, rebalancing, goals-based investing and fee management\u2013all of which guide investors in times like these so they can minimize the downside and make rational decisions.<\/p>

\u201cInvesting is a skill but also a process,\u201d notes Hunter. \u201cBaseball players study pitchers which allows them to anticipate and train for sudden changes in the types of pitches during a game. The stock market is a lot like this. What you need is a good set of rules and principles to follow. As soon as you get a curveball, you\u2019re more likely to get a hit because you can see that it\u2019s coming and know what to do.\u201d<\/p>

No matter if you are picking up your first bat or have been playing in the major league for years, a guiding set of rules and principles are essential to protecting your investment.<\/p>

Investing Insights From COVID-19<\/span><\/h2>

While these pillars have guided our clients through the recent tumult, Hunter notes that during the pandemic, he compiled some surprising insights:<\/p>

1. Markets and the economy are not always intertwined.<\/span><\/strong><\/h5>

Popular belief and our gut may tell us that the stock market and the economy are tightly linked; however, increasingly data tells a different story. During the pandemic, from mid-February to mid-March jobless claims were at 1 million and the market was down 30%. From mid-March to mid-April jobless claims were at 26.5 million and the market was up 30%.<\/p>

\u201cI’ve never seen a better indication of how the economy and stock market are disassociated or divorced from each other,\u201d notes Hunter. \u201cIt’s probably the most significant data point I’ve seen in my investing career.\u201d<\/p>

2. Losses and gains are asymmetrical, which can have an emotional impact.<\/span><\/strong><\/h5>

In the same way that compounding interest<\/a> can bolster your investments over time, the math of percentages highlights the damage that loss can have on a portfolio. As loss gets bigger, the gap to recover the loss increases at an exponential rate. That means a 50% loss can\u2019t be made up by a 50% gain. You actually need a 100% gain. See the following example of the gains needed to recover from a variety of losses.<\/p>

\"\"<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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This can be disheartening, especially during times like these; but it\u2019s not meant to scare you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\u201cThe goal is to define a process to minimize risk for compounding losses. You cannot control the stock market, but you can control the process,\u201d emphasizes Hunter. \u201cAnd the more you can control the process, the better you can control the outcome.\u201d<\/p>

3. Define a process for decision making. Use a rules-based approach to investing.<\/span><\/strong><\/h5>

Gaming out different scenarios with a financial advisor helps not only to define an investor\u2019s level of risk, but also creates a set of guiding rules to persevere through the highest highs and lowest lows. When things get scary or overwhelming, relying on these rules removes emotion from financial decision making.<\/p>

Asset allocation and diversification are two important strategies individual investors can focus on. Asset allocation is simply the percentage of your portfolio invested in stocks, bonds and cash.<\/p>

A well-devised asset allocation does not ensure you are appropriately diversified, however. For example, if you have determined that you should have 60% of your investments in stocks, you shouldn\u2019t invest that full 60% in one stock. Being diversified in all the different asset classes can help achieve the long term returns you need while smoothing out the volatility on the downside.<\/p>

\u201cEven financial planners are emotional beings. I knew it beforehand,\u201d Hunter shares. \u201cI knew that having a process for decision making was important. But I saw in myself that emotion happening, and said, \u2018Ooh, I know we set that<\/em> rule, but man, those red numbers look really bad. Are we sure?\u2019<\/p>

\u201cEspecially now, investing is going to be a highly emotional rollercoaster. Defining and adhering to these types of principles, essentially, we are divorcing ourselves from emotion. This is what makes an investment strategy crucial during this time.\u201d<\/p>

4. Rebalance portfolios and focus on target allocations.<\/span><\/strong><\/h5>

A diversification strategy allows investors to have a target allocation that corresponds to their preferred level of risk and financial goals.<\/p>

Over time, however, the different assets have different returns\/losses and so the amount of each asset changes\u2014one stock or fund might have such high returns it eventually builds up to be a larger portion of the portfolio than planned. When a portfolio is rebalanced, it realigns a portfolio by buying or selling assets\u2013like stocks or bonds\u2013to safeguard your money from undesirable risks.<\/p>

\u201cAt the beginning of the pandemic, the stock market was cratering and the bond market was holding a little bit firmer,\u201d Hunter said. \u201cSo, we rebalanced the portfolios and as the market has retraced back up, our portfolios on average have benefited.\u201d<\/p>

You can do portfolio rebalancing yourself\u2014sell some assets, buy up some others. Most online brokerages allow you to buy and sell on your own for minimal fees.\u00a0Portfolios can be\u00a0rebalanced\u00a0at set points in time (quarterly, monthly, annually) or at set allocation points (when\u00a0the assets change a certain amount). A good rule of thumb is to\u00a0rebalance when\u00a0an asset allocation changes more than 5%.<\/p>

Moving Forward<\/span><\/h1>

As the pandemic continues to unfold, the market will likely continue to present investors with some surprises. But market volatility doesn\u2019t have to mean you won\u2019t be able to reach your long-term goals or retire when you want too. \u00a0Although it is an unprecedented time and emotions are high, should your behavioral biases be getting the best of you, it may be a good time to ask for help.<\/p>

\u201cIf after 13 years of study and investing, I was concerned when we hit the bottom, then the average person likely needs help,\u201d Hunter acknowledges. \u201cAn advisor is a person coming from a place of wisdom. It\u2019s an outside voice that can help remove the emotion from decisions and bring additional insight.\u201d<\/p>

As we all navigate this time, don\u2019t forget to reach out to colleagues, associates and available resources. For more on the topic view our resources at cainwatters.com\/investments.<\/span><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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If you don\u2019t have an experienced financial planner to bolster your financial goals during this time: we\u2019re here to help. Reach out for a complimentary consultation from one of our experienced advisors. \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tREACH OUT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Unusual times often illuminate guiding principles. Here\u2019s four from one of our most experienced advisors. At this very moment, we are living through an extraordinary time. Have you found yourself staring at the stock market tickers and wondering: will things ever settle down? Maybe you\u2019ve even been tempted to take your money and stick it […]<\/p>\n","protected":false},"author":7,"featured_media":9537,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_ppma_block_editor_authors":""},"categories":[16,41,17,29],"tags":[],"ppma_author":[48],"class_list":["post-9535","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-investing","category-news"],"acf":[],"yoast_head":"\nFour Strategic Investing Insights From the Pandemic<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/investing-during-pandemic\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Four Strategic Investing Insights From the Pandemic\" \/>\n<meta property=\"og:description\" content=\"Unusual times often illuminate guiding principles. 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