I understand the concerns during these crazy markets. I know it is not fun. Seeing markets gyrate makes for an emotional roller coaster.

You have lived through this before (think 2008 great recession, 2000 internet crash). Please keep the faith! Why am I so adamant about this? Because my 27 years in the business has shown me that the effective investors are the ones that stay invested. It’s easy to give in to emotions and lock in losses. It’s hard to know when to get back in. And getting back in is hard, and not being in the market can be devastating to your portfolio. Missing only the 10 best days out of 5,220 days (20 years) can reduce your return by over 50%. Take a look at the attached chart showing the effect.

Have questions? Please reach out. We are happy to provide you and your colleagues with a second opinion on your investments .