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#30 - Time in the Market vs. Timing of the Market: Which is more impactful for your long term investing goals?
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Staying invested over the long haul isn't just smart—it's essential. This episode breaks down the critical difference between "time in the market" versus "timing the market" through a fascinating case study from Charles Schwab. Meet Peter Perfect, Ashley Action, Rosie Rotten, and Larry Linger—four hypothetical investors whose outcomes over 20 years reveal that consistent investing frequently outperforms even the best-timed trades.
Using real historical data from the S&P 500 between 2002 and 2022, we highlight the surprising reality that the difference between perfect and terrible market timing is smaller than you might think. Larry's decision to keep his money in cash serves as a cautionary tale, illustrating the significant opportunity cost of not being invested at all. Through these examples, we underscore a crucial point: the power of staying the course and keeping your money in the market.
For a lighter twist, we share our dream dinner guests—an eclectic mix that spans history, science, and comedy. Imagine the insights from Benjamin Franklin, the humor of Will Ferrell, or the cosmic perspectives of Neil deGrasse Tyson. While considering practical aspects like language barriers and the meal itself, we reflect on the unique contributions these figures would bring to the table. Wrapping up, we remind you that personal finance is deeply personal and encourage consulting with qualified professionals for tailored advice. Join us as we express our gratitude for your engagement and urge you to stay committed to your financial journey.
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Using real historical data from the S&P 500 between 2002 and 2022, we highlight the surprising reality that the difference between perfect and terrible market timing is smaller than you might think. Larry's decision to keep his money in cash serves as a cautionary tale, illustrating the significant opportunity cost of not being invested at all. Through these examples, we underscore a crucial point: the power of staying the course and keeping your money in the market.
For a lighter twist, we share our dream dinner guests—an eclectic mix that spans history, science, and comedy. Imagine the insights from Benjamin Franklin, the humor of Will Ferrell, or the cosmic perspectives of Neil deGrasse Tyson. While considering practical aspects like language barriers and the meal itself, we reflect on the unique contributions these figures would bring to the table. Wrapping up, we remind you that personal finance is deeply personal and encourage consulting with qualified professionals for tailored advice. Join us as we express our gratitude for your engagement and urge you to stay committed to your financial journey.
Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk
If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com
And, as always, STAY THE COURSE!
Chapter
1. #30 - Time in the Market vs. Timing of the Market: Which is more impactful for your long term investing goals? (00:00:00)
2. Time in the Market vs. Timing (00:00:01)
3. The Impact of Market Timing (00:09:04)
4. Dream Dinner Guests (00:18:35)
5. Personal Finance Disclaimer (00:23:47)
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