Hello, From The Investing Side

Today I’m writing  a rendition of Adele’s “Hello” to highlight the craziness of the stock market at the start of 2016, and how sticking to a long-term investment strategy will pay off in the long run. 

tune out, invest on (1)

P.S. If you’re looking for additional content posts on investing, check out these great ones from the archives at the links below:

Overcoming The Fear of Investing

Rockin’ With Robinhood

I Triple Dog Dare You To Not Touch Your Tax Refund

So We Did It…We Met With An Investment Advisor

Thank You Very Much, Mr. Robo-Advisor


Hello stock market, it’s me

I was wondering if after these years of investing you’d like to keep

Going over every fee

They say that time in the market’s supposed to heal ya

But I ain’t seeing much in the green

Hello, stock market can you hear me?

I’m lying on the couch dreaming about my retirement, you see

When I’m older and living free

I’ve forgotten how it felt to invest before my dollars began to leak

There’s such a difference between last year

And thousands of dollars…

Hello from the investing side

I must have deposited a thousand times

To tell you I’m ready to gain an average return

But when I look at my portfolio it doesn’t seem to have grown

Hello from the investing side

At least I’m going to keep on trying

To tell you I’m not stopping from investing in you

What matters is I continue even if you aren’t making returns, like before

Hello, how’s oil?

It’s so typical to hear this all over the news, I’m sorry

I hope that you start to do swell

Will you ever make it out of the red where no-one feels like retirement can happen?

And it’s no secret that the both of us

Know that time is on our side

So hello from the investing side

I must have deposited a thousand times

To tell you I’m ready to gain an average return

But when I look at my portfolio it doesn’t seem to have grown

Hello from the investing side

At least I’m going to keep on trying

To tell you I’m not stopping from investing in you

What matters is I continue even if you aren’t making returns, like before

Like before…


Alright, everyone – you’ve got this! We’re in it for the long term. Even though the start of 2016 has been pretty rough for the stock market, try to turn away & tune out the madness. An average return of 8% over the long term is much better than allowing your cash to sit idle underneath the mattress (where inflation takes away the value of your hard earned dollars). Diversify your portfolios, hold to your strategy, and remember that time is your biggest asset. 

What are you doing to keep calm, and invest on? Does it involve rewriting silly lyrics to well-known songs? Let me know your strategies below!

 

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29 thoughts on “Hello, From The Investing Side

    1. You just picked the end of a long bull market to start. Any shares you buy now will lower your cost basis, meaning that when things recover you’ll be ahead instead of just even. Also realize that 10% is nothing when you can see market averages double over 5-7 year periods.

      Liked by 1 person

    1. That’s a great skill to be able to look each day & not cash out! I have to avoid it altogether however I can haha. It’s great to have the background knowledge of holding! Ohhh, I hope someone takes on that challenge!

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  1. HAHAHAHAHA oh gosh this song is going to be in my head all evening.
    My strategy is not to check any account balances while the market is down. Also to cross my fingers that my monthly automatic Betterment deposit goes through when the market is as low as possible (which it did this month!). Also I like to think of those stereotypical stock market people in movies who are on the phone wearing business suits and screaming “Buy! Buy!” and “Sell! Sell!”, and remember that they’re screaming “Buy!” when the market is down and “Sell!” when the market is up. 🙂 It’s a nice visual.

    Liked by 1 person

    1. Fantastic call, Sarah!! Right now is a great time to deposit. I have every other week auto-deposits set up through Betterment through the highs & the lows. 🙂 That is a great visual! Wolf of Wall Street definitely comes to mind, crazy crazy movie.

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  2. Kudos on the song! I rarely check our accounts these days, as we are focusing our efforts on eliminating our debt, after which every investment medium will be maxed to the fullest! I’m still putting in enough for my employer match (can’t turn down free money!) but otherwise, things are just floating along for the market ride. My attitude is that I don’t actually care what things are doing on a day-to-day basis, or even month-to-month for that matter, because I know that I won’t be selling anything for another 10-15-ish years when we ultimately retire early. Obsessing over daily fluctuations has the potential to cause undue stress (if you let it) and takes away valuable moments of our lives that can be better spent doing more productive and enjoyable things.

    However, I must say that your auto-deposits are an excellent strategy. Like I alluded to in my article about how we budget, I LOVE automating as much as I possibly can. When it comes to investing, it ensures that you get the advantage of dollar cost averaging and it keeps you from trying to time the market, which we all know is rubbish and a wasted effort. All in all, it sounds like you’re doing awesome…just keep your head down, ignore the dooms-dayers, and keep up the excellent work!

    Liked by 1 person

    1. Frugal RN, thank you so much for such a developed comment! I love all of the content in this! I have the same mindset. I have a lot of time in the market that day to day and month to month fluctuations don’t quite phase me. There is no need to create even more financial stress, the automation behind my investing is in hopes to avoid additional stress! The value of spending time with people I care about and those relationships is more of a highlight and focus. 🙂 I have to say that automation is probably close to one of my all time favorite things about personal finance!

      Liked by 1 person

  3. You are so very welcome! It’s so amazing to have this platform to share common ideals and information with other like-minded individuals. It amazes me how many people have followed along with my family [yourself included…thank you :)] in the short month that I’ve been on here. I believe that is only through educating ourselves and others that we will ever get America out of the financial mess we continue to perpetuate. The only financial issue that truly sickens me, and honestly makes me sad, is the ongoing national debt that continues to skyrocket that we are leaving to our children and future grandchildren. Maybe our blogs will reach and inspire a future politician who will truly change Washington? That’d be nice…but I digress. Anyway….it’s a pleasure talking with you and hearing your take on things. For me, for my family, the only numbers we obsess over is watching our debt number drop, which had the double effect of increasing our overall net worth. Have a nice day!

    Liked by 1 person

  4. You really need to YouTube these remixed editions of these songs! Good job Alyssa!

    After everything I’ve learned about investing in the past few years – hearing about the markets dropping encourages me to want to put MORE into it! Buy low right? I already maxed out my wife’s Roth IRA and once I start working I’ll do that for myself!

    Liked by 1 person

    1. I definitely need to! But there’s a catch – I’m horrible at singing so I would need to recruit someone lol! I would agree that now is a great time to put money in if you know you have the time to make it up. Buying quality stocks that are on sale as they say!

      Liked by 1 person

  5. I love this! So creative — and so true! 🙂 We’ve been through a few of these rollercoasters now in our lives, and though it’s hard to know how bad this correction will be, or if it’s even a correction, the advice is always the same: buy and hold, buy and hold. 🙂

    Liked by 1 person

  6. I hope everyone just sticks with it. In ten years we’ll all be looking at how low stocks were now and wishing we had such bargains around. Just take a look at a chart of Amazon through the 2000 dot com bust or basically any retailer through the 2008 recession and look at how low they went and how far they went later.

    Liked by 1 person

    1. Great call out, SmallIvy! The cost of Amazon in the bust to now is almost astounding. That’s the goal, is to keep everyone sticking to their investment strategies! It’s definitely a challenge if you just started investing.

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    1. Hi Tyler! Sticking to the fundamentals is key, and definitely a great way to dodge all the media hype. That’s a great way to limit checking your accounts! If you are not checking them incessantly, it will not be as much of a shock between the first & last time you checked your balances. Thank you for stopping by!

      Like

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