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Set Schedule: Stay on Track, Even When Markets Go Wild

August 06, 2019

  • It’s totally normal for the market to go up and down
  • Add your Mix, diversified ETFs, and bonds to your portfolio
  • Turn on Set Schedule to capture market highs and lows
  • Stay the course, think long term
2 min read

What’s a long-term investor supposed to do when the markets go haywire?

There’s no need to consult a crystal ball. Set Schedule is one way to hold steady during market storms.

What’s Set Schedule all about?

Set Schedule is a great tool, no matter your risk level.

It lets you invest consistently over time, regardless of the temporary ups and downs of the market. You won’t have to worry about picking the right time to invest.

If your risk level is Aggressive, you can consider Set Schedule to your holdings of single stocks and/or equity ETFs.

If you’re more Moderate or Conservative (or just nervous about ongoing stock market losses and already have a lot of stocks in your portfolio), you can lower your risk by simply adding more of your risk-appropriate Mix to your portfolio, and by investing in bonds.

The power of diversification

One of the reasons investment experts recommend putting money into both stocks and bonds is that they don’t always correlate with each other. In other words, when stocks go down, bond prices can often go up (and vice-versa).

You can’t time the market

With Set Schedule you don’t need to worry about timing the market. It allows you to invest on a schedule, letting you purchase your investments at a higher price (when markets are up), and some at a bargain (when markets are down).

That way, the average price is likely to be somewhere in the middle.

Making small deposits to your diversified portfolio on a regular basis is one of the keys to smart investing. This strategy can help you manage the highs and lows of the market to your best advantage.

History can be a lesson

A lot has happened since 2000. We’ve seen the stock market collapse twice, once during the bursting of the dot-com bubble, and more recently during the Great Recession. But staying the course—by which we mean buying and holding a diversified mix of stocks, bonds, and funds—has proven to be the way to go as markets have always recovered.

Note: From 2000 through the end of 2017, stocks returned 6.26% on average per year.

Stay calm and keep Stashing

Don’t think about the daily, weekly, or even monthly volatility.

We have a saying at Stash. It’s all about “time in the market, not trying to time the market.”  Stay strong. Stay the course. Stay diversified with bonds. Keep learning every day.

We’re in this with you.

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By Stash Team

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This material has been distributed for informational and educational purposes only, represents an assessment of the market environment as of the date of publication, is subject to change without notice, and is not intended as investment, legal, accounting, or tax advice or opinion. Stash assumes no obligation to provide notifications of changes in any factors that could affect the information provided. This information should not be relied upon by the reader as research or investment advice regarding any issuer or security in particular. The strategies discussed are strictly for illustrative and educational purposes and should not be construed as a recommendation to purchase or sell, or an offer to sell or a solicitation of an offer to buy any security. There is no guarantee that any strategies discussed will be effective.

Furthermore, the information presented does not take into consideration commissions, tax implications, or other transactional costs, which may significantly affect the economic consequences of a given strategy or investment decision. This information is not intended as a recommendation to invest in any particular asset class or strategy or as a promise of future performance. There is no guarantee that any investment strategy will work under all market conditions or is suitable for all investors. Each investor should evaluate their ability to invest long term, especially during periods of downturn in the market. Investors should not substitute these materials for professional services, and should seek advice from an independent advisor before acting on any information presented. Before investing, please carefully consider your willingness to take on risk and your financial ability to afford investment losses when deciding how much individual security exposure to have in your investment portfolio.

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