{"id":38245,"date":"2021-11-30T13:53:09","date_gmt":"2021-11-30T20:53:09","guid":{"rendered":"https:\/\/ltwealth.ca\/?p=38245"},"modified":"2021-11-30T14:52:39","modified_gmt":"2021-11-30T21:52:39","slug":"how-would-a-market-decline-affect-you","status":"publish","type":"post","link":"https:\/\/crossborderwealth.ca\/2021\/11\/30\/how-would-a-market-decline-affect-you\/","title":{"rendered":"How Would a 20% Market Decline Affect You?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"38245\" class=\"elementor elementor-38245\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ef6fea9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef6fea9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ea44ec\" data-id=\"7ea44ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36cb9d4 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"36cb9d4\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;aspect_ratio&quot;:&quot;169&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-fit-aspect-ratio elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen title=\"vimeo Video Player\" src=\"https:\/\/player.vimeo.com\/video\/651731289?autoplay=1&amp;color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b0d05ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b0d05ff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7803456b\" data-id=\"7803456b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8fbd854 elementor-widget elementor-widget-text-editor\" data-id=\"8fbd854\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>You\u2019ve certainly heard the same headline over and over again; somebody somewhere is always opining abut a looming market decline of some significance.<\/p><p>Corrections are generally short-lived, and defined as a drop between 10-20%; whereas, a bear market occurs after a drop of +20% over at least a two-month time frame.<\/p><p>Corrections and bear markets are a normal part of the market cycle, and it\u2019s important to stick to your investment plan and not let panic sway your decisions. A market decline should be viewed as a potential opportunity to buy more assets at a lower price\u2014and reap the advantages when the stock market recovers.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d00d02c elementor-widget elementor-widget-text-editor\" data-id=\"d00d02c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<h3><strong>Stick To A Plan, Stay Invested, Try To Avoid Emotional Bias.<\/strong><\/h3><p>Having a plan and sticking with that plan is essential. It can be easy to get sucked in by scary media headlines and hot stocks that are \u201cgoing to the moon\u201d, but the reality is that most of this is just noise. It is extremely important as an investor to remain cool, calm and collected and make your investment decisions based on your long-term goals and objectives. Rash decisions based on emotions can be devastating to your overarching retirement goals.\u00a0<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b90342a elementor-widget elementor-widget-text-editor\" data-id=\"b90342a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<h3>Volatility Is Normal, Don\u2019t Let It Derail You.<\/h3><p>Market fluctuations are a normal part of investing. The key is to remember that over time, the uptrends tend to outweigh the downtrends. Thinking long-term can keep things in perspective and prevent you from panicking during the brief downtrends.<\/p><p>The chart below from\u00a0<a href=\"https:\/\/www.invesco.com\/static\/us\/investors\/contentdetail?contentId=049233173f5c3510VgnVCM100000c2f1bf0aRCRD\">Invesco<\/a> traces the history of bull and bear markets and the performance of the S&amp;P 500 during those periods. In general, the downturns tend to be shorter and less impactful than the long-term upward trend.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b375fcb elementor-widget elementor-widget-image\" data-id=\"b375fcb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.invesco.com\/us-rest\/contentdetail?contentId=049233173f5c3510VgnVCM100000c2f1bf0aRCRD&#038;audienceType=investors\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"260\" src=\"https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/02\/Screen-Shot-2021-02-12-at-10.44.50-AM-768x260.png\" class=\"attachment-medium_large size-medium_large\" alt=\"Bull and Bear Market History\" srcset=\"https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/02\/Screen-Shot-2021-02-12-at-10.44.50-AM-768x260.png 768w, https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/02\/Screen-Shot-2021-02-12-at-10.44.50-AM-300x102.png 300w, https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/02\/Screen-Shot-2021-02-12-at-10.44.50-AM-1024x347.png 1024w, https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/02\/Screen-Shot-2021-02-12-at-10.44.50-AM-1536x520.png 1536w, https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2021\/02\/Screen-Shot-2021-02-12-at-10.44.50-AM.png 1980w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3102049 elementor-widget elementor-widget-text-editor\" data-id=\"3102049\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<h3>Planning for the unknown.<\/h3><p>If you\u2019re already in retirement and withdrawing from your portfolio then this is an opportunity to tap into the cash reserves you and your advisor have planned for. One of the easiest ways to plan for unknown risks it to implement the three-bucket asset allocation strategy. We use this strategy extensively with our clients and have highlighted how the strategy works in the video below:<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4a4a10 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"b4a4a10\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;aspect_ratio&quot;:&quot;169&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-fit-aspect-ratio elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen title=\"vimeo Video Player\" src=\"https:\/\/player.vimeo.com\/video\/452286719?color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9760478 elementor-widget elementor-widget-text-editor\" data-id=\"9760478\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"color: var( --e-global-color-text );\"><br \/>If there is one thing to take away, when you sell out of fear, your emotional mistake becomes a permanent loss, and that permanent loss can have a direct impact on your retirement. Instead, when prices go down, that\u2019s your cue to buy more! Always remember to stay disciplined and stick with your long-term plan.<\/span><\/p><p>Talk to your financial advisor to ensure your investment strategy is structured to ride through volatile and uncertain investment periods. Especially during times of volatility, it\u2019s best to consult a professional before making changes in terms of asset allocation, investment diversity, or risk tolerance.<\/p><p>If you or someone you know are in need of financial advice, we are always happy to chat. We don\u2019t charge for the first consultation, and there is no obligation to sign-up.\u00a0<a href=\"https:\/\/crossborderwealth.ca\/contact\/\">Contact us<\/a>\u00a0to book a free financial consultation with one of our licensed financial advisors<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f2834c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f2834c1\" data-element_type=\"section\" id=\"see-email\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73d79b5c\" data-id=\"73d79b5c\" 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elementor-element elementor-element-135a8e7a\" data-id=\"135a8e7a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3061fe2 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"3061fe2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>If you do not have access to our monthly email, you can request it here:<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c0f1220 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"3c0f1220\" 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By filling out this form to request this month&#8217;s commentary, you give explicit permission for LT Wealth Management Partners to email you to deliver our e-newsletter. 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