Your Survival Guy

Preparing your investments and family for when disaster strikes.

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STAY GROUNDED: Investors Need Gravity to Keep Their Feet on the Ground

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When Your Survival Guy is telling you that the risk-free rate of return is 0.22%, it’s time to pay attention. Sure, the Fed has talked the rate up, but it started the year at 0.09%. Here’s the kicker, when this political virus swept over the world three years ago, the rate was at 2.45%. That was before Your Survival Guy had to evac from Telluride as the world shut down.

This is the risk-free rate. It’s the gravity that keeps investors’ feet on the ground. Understand that products out there are selling you down the river, and making promises on your money they might not be able to keep. They need to make their money somewhere. Plan accordingly.

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E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com To sign up for my free monthly Survive & Thrive letter, click here.

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