Most of us have gone through volatile markets before, and maybe even a bear market or two. This might also be your first time experiencing a market cycle such as this one. Either way we want to remind all of you that this is a normal type of behavior for markets.
In order to beat inflation should you invest for income or for total return? With inflation at the highest levels, we have seen in 40 years you may be wondering whether you should devote more of your portfolio to dividend paying stocks.
If you are feeling a little uncertain about the markets you are not alone. The S&P 500’s April return of -8.7% was the 14th worst month since 1970. You would have to go back to March 2020 (the very beginning of the pandemic induced Bear market) and September 2008 (the height of the financial crisis) to find worse months.
Tax-loss harvesting is the process by which an investor sells an investment held in a taxable brokerage account at a loss and buys a similar investment in order to participate in the inevitable market recovery. By selling at a loss, the investor gets to enjoy a tax benefit.
As you get closer to retirement you need to start thinking a little differently about how you approach your investments. When you were younger you could afford to put your head down, save as much as you can and accept the wild volatility of the markets in the short term.
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