Your Survival Guy

Preparing your investments and family for when disaster strikes.

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Stocks Go Up and Down: Get Paid Along the Way

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Time flies when you’re having fun. But don’t tell that to the investors who got crushed last year. All of a sudden they’re seeing the light—the wisdom in a balanced portfolio.

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As Ben Graham taught us, you need to have some balance in your portfolio whether it’s 30-70 or 70-30 or something in between. I’m reading now how investors need to think about 60-40 after all the hand-wringing about the approach last year.

Look, stocks go up, stocks go down. I want you to get paid along the way. The same is true for bonds but with a finish line, especially for individual bonds, in the form of a set maturity date.

Action Line: For me, my long-term investing success has been about patience and compound interest. And it always will be. If you need help with your retirement plan, let’s talk.

P.S. For an example of a balanced portfolio, take a look at the Vanguard Wellesley Income Fund below. I explain this balanced portfolio approach more here.

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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 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.