To My Readers,
Investors often feel anxious when markets reach new highs, fearing they're buying at the worst time. The truth is that market all-time highs are more common and less risky than you may believe.
Since 1950, the U.S. equity market has set over 1,250 all-time highs – averaging more than 16 per year. Contrary to popular belief, investing at these peaks doesn’t necessarily mean losing money. In fact, historical data shows that returns generated after investing at all-time market highs keeps pace with the overall market average.
Key insights for investors:
• Market corrections following all-time highs are relatively rare
• Only 9% of one-year periods following market highs experienced corrections over 10%
• The S&P 500 has never been down more than 10% at the end of a 10-year period following an all-time high since 1950
Here is the lesson I want you to take away:
Long-term investors should focus on staying invested rather than trying to time the market. New highs often reflect economic growth, productivity improvements, and potential future expansion – all of which are good things!
While short-term volatility is inevitable, history suggests that patient investors who maintain their strategy will usually benefit from staying the course.
Thank you,
Sid Misra, CFP
Beacon Financial Group
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Wondering if you need a prenuptial agreement? The surprising truth is that EVERYONE who gets married already has one - but it might not be the one you want!
In this episode of Love, Marriage, and Finances, I break down everything you need to know about prenups.
Learn why prenups aren't just for the wealthy and discover:
✅ Why your state's default divorce laws might not work for you
✅ Who really needs a prenup (hint: it's more people than you think!)
✅ How to protect your assets, business, and inheritance
✅ Tips for having "the prenup talk" with your partner
✅ How you should set up a prenuptial agreement
✅ How to protect children from previous relationships
💼 Special Episode Alert: Stay tuned for our next video featuring an exclusive interview with NJ attorney Lindsay Heller for expert legal insights on prenuptial agreements!
Why We Invest
The chart below shows us the percentage change over the last 30 years for the S&P 500 (in blue) and the Purchasing Power of the US Dollar (in red).
As we can see, the S&P 500 had a percentage change of +972% while the purchasing power of your dollar dropped more than 50%.
Cash is valuable, but it's not King.
If we want to outpace inflation and still be able to buy the things we used to buy, we NEED put our money to work by investing it.
Boost Your Savings: Why You Should Consider High- Yield Savings Accounts
Are you looking to make your money work harder for you? It's time to consider moving your excess cash from a regular savings account to a High-Yield Savings Account (HYSA). Here's why:
✅ Higher Interest Rates: HYSAs offer significantly better Annual Percentage Yields (APYs) than traditional savings accounts, helping your money grow faster.
✅ Better Returns: Over time, these higher rates can result in substantially more earnings, especially for larger balances.
✅ Safe and Secure: HYSAs at FDIC-insured banks offer the same protection as regular savings accounts (typically up to $250,000 per depositor).
✅ Easy Access: Most HYSAs provide similar liquidity to regular savings accounts, allowing withdrawals without penalties.
✅ Low or No Fees: Many HYSAs have minimal or no monthly maintenance fees, maximizing your savings.
So, what is the trade-off?
HYSAs are often offered by online banks, which might not have physical branches.
Setting up the account and linking it to your current bank may be difficult for those who are not as tech savvy.
Consider using High-Yield Savings Accounts to safely earn interest on your liquid cash!
If you have any questions about High-Yield Savings Accounts, please don't hesitate to reach out to me!
The opinions voiced in this material are for general information only and are not intended to provide specific advice financial or tax recommendations for any individual.
All performance referenced is historical and is no guarantee of future results.
All indices are unmanaged and may not be invested into directly.
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