WEBVTT

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Hello.

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I'm Teigan Avery, Portfolio Manager
of Pintler Wealth Management Group.

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You know that feeling when markets drop
and you think

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maybe I should just get out
until things settle down?

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You're not alone.

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But that instinct is exactly what hurts
long term results.

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Here's what most investors don't realize.

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The best market days almost always happen
right after the worst ones.

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Historically, each downturn
has been followed by an eventual upswing.

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Although there's no guarantee
that will always happen.

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So when you sell during a downturn
and wait for things to feel safe

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again, you're probably missing
the entire recovery.

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You end up doing exactly what you're
trying to avoid

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selling low and buying back high.

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Let's look at a simple example.

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Take a hypothetical $10,000 investment

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in the S&P 500 index over 20 years.

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Investor A stays invested the whole time.

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Their investment grows to $84,580.

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Investor B misses
just ten of the best market days.

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This would bring their portfolio
value down

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to $37,628.

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Same market, same time period.

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The only difference is missing
a handful of days.

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Markets don't move in smooth lines.

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They move in bursts.

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And those bursts often happen when
investors feel the most uncomfortable.

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Trying to time the market requires
two perfect decisions every time one

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when to get out, two when to get back in.

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Almost no one gets both right
consistently.

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Market timing is not an optimization
strategy.

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It's a behavioral risk.

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Staying invested through volatility is an
intentional strategy, not a passive one.

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Every time you jump in and out,
you're paying taxes on gains,

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racking up transaction fees,
sitting in cash that earns almost nothing.

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The investors who reach their goals aren't
the ones who predict highs and lows.

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They're the ones who stay invested
through the ups and downs.

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Focus on the time you stay invested,

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not the timing of your investments.

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Time in the market beats timing the market
every time.

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As always, if you have any questions
or would like to discuss your next steps,

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please feel free to reach out to us
at Pintler Wealth Management Group.