Stephen Dybwad

Stephen J. Dybwad | Highly Individualized Financial Guidance

Trick Or Treat Is The Market On Wobbly Legs

Navigating October's Market Madness: A Safer Way to Secure Your Retirement

October has long been the stuff of nightmares for Wall Street, a month that's given us some of history's scariest stock market crashes. Remember Black Tuesday in 1929? That calamity happened on October 29. Then, there was Black Monday on October 19, 1987. And don't forget 2008; although technically, at September's end, the Dow plunged 777 points, setting off an October filled with dread. Just this past year, on October 10, the Dow saw its third-largest point drop, falling 832 points.

You'd think that with such a track record, investors would steer clear of the market during October. But nope! Despite record-low unemployment rates, a thriving GDP, and buoyant consumer confidence, we still see market mayhem. Why? Much of it concerns mass psychology and the human tendency to make emotional rather than rational financial decisions.

The Problem: It's Not Just Numbers, It's Psychology

We tend to expect the impossible, like high returns with low risks. We believe we're special — that while bad market conditions might affect others, they won't touch us. Call it optimism, call it denial, but this mindset is dangerous. Especially when the collective psyche turns sour, a robust economy can't keep individual portfolios from plummeting.

Let's get this straight: you could be as cool as a cucumber, but if everyone around you is panicking, thinking the financial sky is falling, your portfolio is still at risk. The repercussions of this may be long-lasting. History shows that recovering from a significant market downturn might take years or even decades.

A Better Way: Secure Your Retirement from Market Volatility

The good news is that there are ways to safeguard your retirement funds from the emotional rollercoasters of Wall Street. How do I know? I've been helping clients do precisely that for 16 years. Not one has seen their portfolio dive during the tumultuous month of October or any other month, for that matter. So, how do we achieve this stability?

One option is to consider fixed annuities offered by some of the world's most reliable insurance companies. These financial instruments guarantee a specific rate of interest and offer the promise of a steady income stream, typically for life. That means your retirement income remains stable even if markets go on a rollercoaster ride.

The Time to Act is Now

If the recent market woes have given you sleepless nights, now might be the time to reconsider your investment strategy. Instead of being swayed by the herd mentality or reacting to short-term market fluctuations, look for more stable options that offer long-term security.

It's never too early or too late to protect your financial future. Contact me today to learn more about how to secure your retirement with the stability of fixed annuities. Because honestly, wouldn't you rather face October as a month of pumpkins and treats rather than tricks and financial defeat?

  • October's Scary History: October is notorious for being a volatile month for Wall Street, with significant crashes like Black Tuesday in 1929 and Black Monday in 1987.
  • Psychological Pitfalls: The market's volatility isn't just about economic factors like high debt or trade wars. It's often driven by collective psychology, including unrealistic expectations of high returns with low risks and the belief that lousy market conditions won't affect us.
  • Contagious Panic: Even if you maintain a rational outlook, widespread investor panic can negatively impact your portfolio. Recovering from such downturns may take years or even decades.
  • A Safer Alternative: Fixed annuities may offer a stable interest rate and a guaranteed income stream, a hedge against market volatility.
  • Proven Track Record: The author has been helping clients secure their retirement funds for 16 years without a single client experiencing a downturn in their portfolio in October or any other month.
  • Time to Reconsider: If another shaky October scares you, it may be time to think about safer, more reliable investment options like fixed annuities to protect your financial future.

Many people have learned about the power of using the Safe Money approach to reduce volatility. Our Safe Money Guide is in its 20th edition and is available for free.  

It is an Instant Download.  Here is a link to download our guide: 

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Stephen Dybwad picture

Stephen Dybwad

Stephen J. Dybwad | Highly Individualized Financial Guidance

Cincinnati, OH, Louisville, KY, Indianapolis and Madison, IN,

(800) 959-3526

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