Market Update: January 24, 2022 Changes We Made During Today’s Wild Ride

Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California.

The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Statements and opinions are subject to change without notice. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision as the material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned in this presentation. Before acting on information discussed in this presentation, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Prospectuses, investment objectives, risks, charges and expenses of any investment product should be reviewed carefully before investing. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Retirement Capital Strategies and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Tom Vaughan or Retirement Capital Strategies unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information, comments and questions. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Investment positions mentioned in these videos may be held in some of our existing portfolios. Tom Vaughan and Retirement Capital Strategies are unaffiliated and separate from those companies whose investment positions are mentioned and is not liable for their products or services.

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Transcript:

Tom Vaughan:

Hello, everybody, welcome to Monday, the S&P 500 was up .3%. Today, which doesn’t sound like a lot, but it was really good for today because it was down more than 3%. Early in the trading session, the NASDAQ was down 4.9%. And actually ended up point 6%. These are good signs in a downward moving market like we’ve had, where you get these kind of rallies that come in and reverse for the day. So we’ll see how that plays out. But there’s quite a few things pushing negatively on the market. And that’s why we’re seeing these downturns this year. We’re, of course, have this Ukraine and Russia situation that’s going on, that’s a bit scary. Historically, those types of things have not impacted the economy and the stock market has often dropped because of the fear of what might happen. But then once the you know, situation is kind of examined a little bit further economy doesn’t fall stock market comes back. We saw that happen with Afghanistan, we saw that happen with the invasion of Kuwait, for example. So we’ll see how that plays out.

We also have a situation where the Federal Reserve is meeting this week. And so we’ll have to see what happens. They come out on Wednesday, we’ll see if they stay, you know, with their kind of harsh rhetoric about inflation, or do they soften that up a little bit considering what’s happening here with the stock market. And then of course, this week is the really big earnings weeks that big companies like Apple and Microsoft and Tesla are reporting earnings this week. So we’ll see how that goes.

So far, earnings have been good, kind of expecting those companies to do fairly well. But we’ll wait and see what happens there. I do find it kind of interesting that on Monday mornings, we often have some big downturns. I wonder if it isn’t related somewhat to what’s happening in the Cryptocurrency market. Cryptocurrency markets don’t close. They’re up open 24/7. So if they’re coming down during the week weekend, you know, maybe people feel more negative about the environment and they’re selling their stocks, or they have high leverage on the Cryptocurrency, which they can do because it’s not regulated. And they’re having to pay off that leverage because of their losses by selling their stocks. So we’ll see how that plays out as far as that goes. So we were able to take advantage of what happened today. We rebalanced very near the bottom of this market. It was what I described on Friday, as long as you have a stock market that’s coming down in an economy that’s still doing well, earnings are still doing well. You continue to rebalance the portfolio, we did change one position we decided to purchase Microsoft, we were able to get that at $284 A share inside of the IRA type accounts that have 40% or more stock exposure. We bought it at 284. It’s now 296. That turned out to be a really good purchase.

I do think that the market probably has some more downside in it. You don’t normally see this much downside that just turns around very quickly. Although we have had that happen quite a few times in the last year and a half, where we got these kind of little V recoveries. But we’ll see what happens here. I was impressed with what happened today and very excited about that very happy that we were able to get in and do some of that rebalancing at a really good point, actually. So hopefully that continues to you know, work out for us. Still watching for that overall downshift trend to a downtrend, we went from an uptrend to what I call a sideways trend that we’re in right now to you know the possibility of a downtrend, but not happening yet. So we’ll just watch for that. So anyway, great to be able to talk to everybody and let me know let you know what we’re doing here. Very interesting day today. We’ll have to see what happens this week. But I look forward to talking to you tomorrow. Thank you

Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California.

The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Statements and opinions are subject to change without notice. Asset allocation and portfolio diversification cannot assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Accordingly, you should not rely solely on the information contained in these materials in making any investment decision as the material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned in this presentation. Before acting on information discussed in this presentation, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment advisor. Prospectuses, investment objectives, risks, charges and expenses of any investment product should be reviewed carefully before investing. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Retirement Capital Strategies and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Tom Vaughan or Retirement Capital Strategies unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information, comments and questions. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. Investment positions mentioned in these videos may be held in some of our existing portfolios. Tom Vaughan and Retirement Capital Strategies are unaffiliated and separate from those companies whose investment positions are mentioned and is not liable for their products or services.

By participating in any of these live streams, you agree that any questions submitted by you might be used by us in the future on this YouTube channel. We will not share your personal information.

If you have questions, please write to us at: asktom@talkmoneywithtom.com.

  • MoneyGuidePro®
  • Advent Software/Black Diamond Reporting
  • Riskalyze, Inc.
  • thinkpipes®
  • Right Capital
  • YCharts, Inc.