Periscope Newsletter & Blog

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Periscope Weekly Investment Newsletter.

What Road Are We On?

What road are we on?

Recently, a terrible tornado wiped out large sections of a small town in Arkansas. A resident returned to her neighborhood where it looked like a bomb had exploded. She asked, in her search for her pile of splinters and rubble, formerly known as a home, "what road are we on?"
This is the right question to ask: what road are we on?
What is the plan for our financial journey? Let's not ask about what the economy is or is not doing, or what the stock market did or did not do yesterday, or what we prognosticate it will do tomorrow. Instead, what is our plan for income for the rest of our lives?
In the long-term, our income must outlive us. In the long-term, we must invest our assets so that our income will keep pace with inflation. These are the fundamentals that form the foundation for everything else we are doing. We either invest in fixed income assets, or rising income assets. 
A fixed income investment gives us greater certainty in the short run that our principal will be safe. If the fixed income is higher than your increasing expenses today, you can afford that safety. However, at a future date, when your advisor at A&I will still be here with you, as shown in the chart below, your fixed income may come up short.
Talk to your advisor about ways to protect your future income, not just today's income, and begin (and end) your conversations with a plan for the long-haul. Together, we can make sure you're on the right road.
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Financial News!

Last week, we discussed some upcoming changes in some of our clients' portfolios. We spend quite a bit of time and our researchers spend all of their working hours on the timing and selection of our investments. But this is only part of what we do.
A very large part of what we do for you is help you turn off the television, stop reading the internet posts, and ignore the naysayers in the newsletters.
I've attached an informative opinion piece from an influential friend of ours, Nick Murray. (Please email us for a copy of this article) Warning: this may offend you! I beseech your opinions here--good or bad--as to whether you ever want to read anything like this again. I promise, we are listening.
The less-biased summation of Mr. Murray's opinion letter follows, from yours truly.

First, the media promotes untruth daily. The news of the day does not cause the market to move. The news does not cause the market to move. The idea is completely false, yet we believe it! I have frequently been in the media, over many years, and I have felt compelled to feed the reporter's bias that the markets REACT when in fact, the actions of the market determine what news the media will feed us.

Let's look at an example: the media is given two bits of information in the morning, one good and one bad. Then the markets decrease throughout the day. The media ignores the "good" news and publishes the bad news as the cause. And what happens if the markets increase? Take a guess before you read on. 

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