Pensinger Financial
  • About Us
    • A Quick Look
    • Core Values
    • Background
    • What it Means to be a CFP®
    • Code of Ethics
    • Investment Philosophy
  • What We Do
    • Our Services
    • Our Pricing
    • 401(k) and 403(b) Set Up
    • 401(k) and 403(b) Rollover
    • Small Business Retirement Plans
    • HCBA Retirement Solution
  • Resources
    • Investment Returns
    • Helpful Links
    • Reading Recommendations
    • Frequently Asked Questions
  • Extras
    • Videos
    • The Right Way to Invest Blog
    • Photos
    • That Familiar Voice
    • DFA Youtube Channel
  • Contact
  • Client Access
    • Atlas Software Access
    • NetXInvestor Access
    • NetXInvestor Guides

the right way to invest blog

​Q2, 2019 Market Summary Report

7/23/2019

0 Comments

 
Here you will find the Q2, 2019 Market Summary Report. Typically, I draw your attention to an informative or thought-provoking (in my opinion, at least😊) write up that concludes the quarterly report, but this time is different. On page 4 (pasted below, as well), you will find the Long-Term Market Summary for major index returns over the last 1, 5, and 10 years. I think it’s a very powerful graphic showing the importance of owning a diversified portfolio covering all these markets – you’ll see big green arrows all across the board! We know short-term time frames of especially 1 year, and even 5 years can exhibit very wild and unpredictable returns, but 10 year returns start to show pretty reliable numbers – typically you will find two things: 1) positive returns; and 2) stocks offering better returns than bonds. We know owing stocks (for growth) and bonds (for protection and income) for the long-term are a great wealth building and wealth preserving tool and graphics like these reinforce that belief.
Picture
0 Comments

Timing Isn't Everything

7/10/2019

0 Comments

 
Everybody has or knows someone who has a great market timing story. Their story might be a little exaggerated or embellished, but it’s probably mostly true…of course, you typically only hear the good stories and not the bad ones.  Market timing is tough, very tough. It requires picking the right time to get into a stock and the right time to get out of a stock – it’s doubly hard to get it right both times. 
 
For every share of a stock bought, there is a share sold. Typically, this buying and selling is done at an exchange. The combined effect of all this buying and selling is that all available information is quickly incorporated into a stock’s price. So, trying to time the market based on an article you read, a TV show you watched, a chart you analyzed, or what your neighbor said is likely to send you chasing after old news. If only we could stay ahead of old news.
 
But what about professional stock pickers? They’re professionals, so they must know more than us, or be correct more often, right? Unfortunately, that’s not the case. Check out the this article from DFA to learn why.
0 Comments

    connect


    author

    Picture
    Michael Pensinger, CFP® is Owner and President of Pensinger Financial, Inc.

    He grew up in Park Forest, Illinois and now resides in Lemont, Illinois with his wife, two children, and two dogs. Michael is actively involved in his community; coaching kids' sports, having served as Treasurer for the Lemont Area Chamber of Commerce Board of Directors, sitting on the Board of Directors for Hope & Friendship Foundation, and volunteering for the Lemont Heritage Woodland Sanctuary Open Space Committee. Read More

    Archives

    October 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    January 2020
    November 2019
    July 2019
    April 2019
    February 2019
    January 2019
    December 2018
    October 2018
    September 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    August 2015
    June 2015
    April 2015
    February 2015
    January 2015
    December 2014


    Categories

    All
    401k
    Bonds
    College
    Education
    Investing
    Mutual Calculator
    Mutual Fund
    Podcasts
    Price Movement
    Retirement Plans
    Savings Plan
    Small Business
    Stock Market
    Stocks
    Tax-Free

ABOUT US
A Quick Look
Core Values
Background
What it Means to be a CFP
Code of Ethics
Investment Philosophy
WHAT WE DO
Our Services 
Our Pricing 
401(k) / 403(b) Rollover
Small Business Retirement Plans
​HCBA Retirement Solution
RESOURCES
Client Access
Investment Returns
Helpful Links
Reading Recommendations
Frequently Asked Questions
EXTRAS
Videos
​The Right Way To Invest Blog

Photos
​​That Familiar Voice
DFA Youtube Channel
CONTACT
Lemont, Illinois 60439
630-754-7580 Phone
630-590-9392 Fax

© 2015 Pensinger Financial, Inc