Market Update: September 9, 2021 Two Important Concerns That Are Not Getting Enough Attention

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.

Transcript:

Tom Vaughan:

Hello, everybody, welcome to Thursday. The S&P 500 was down almost a half a percent today. This is the fourth day in a row, the market’s been down a little bit; lots of different reasons. There are a couple reasons that I don’t think are being talked about enough, that I think are important. Number one, is that they’re talking about the reinstatement, or replacement of the current chairman of the Federal Reserve, Chairman Powell. The market seems to like Chairman Powell. Obviously, whoever they might get would be an uncertainty and the market doesn’t like that, in terms of uncertainty. So it’ll work its way out as far as that goes, but that certainly is going to cause some softness, until that is worked out.


The other thing is that here in this country, we have this crazy thing called a “debt ceiling,” which is essentially: We borrow money, partly to pay off old debt, and operate as a whole, and then there’s a ceiling for how much we can borrow. And so, when we run into that ceiling, then we can’t borrow anymore. And so then Congress has to increase that debt ceiling. Well of course, that becomes a big political game of chicken: Lots of threats are going to be made, especially in this environment, in my opinion. And so again, the market’s going to be a little bit nervous about that.


Most of the people watching the show are kind of relying upon my outlook on what’s happened and what might happen here, so I will tell you just flat out, that all of the things that are happening with supply chain shortages, even the Delta Variant, and the fact that we’re having trouble getting people back out to work, and Chairman Powell and this debt ceiling: There’s always all of these things that I could list off that are issues. The market’s still going to do pretty well: You just got to continue to look at those basics. And when you have a low interest rate environment, and you’re looking at the banks, and you can only make a half a percent, and the stock market is doing a lot better than that, and you look at what’s going on with the money coming in from stimulus programs, the possibility of the infrastructure program, and all these different things that have happened as a whole: This is a pretty strong environment for the stock market.


Now, it doesn’t mean you’re not going to have some volatility, it doesn’t mean you won’t even have a 10% or 15% downturn; although we haven’t had any of those. This will be 215 days in a row, this Friday, trading days that we haven’t even had a 5% downturn, and so that’s because this is such a great environment; but it doesn’t mean things don’t slow down. So I do think it’s important to understand what might happen and to have an open ear and an open mind as to what you would do if things do get worse, but right now, I think things are going to be okay, as far as that goes.


And I’ve always felt like these times of softness, are a great time for these kinds of “budget buyers”: “Buying the Dip” people, to come in and start to create that next run. And that’s what I’ve been saying all the way along, and that’s what’s been happening pretty consistently. I don’t know how far that dip comes down, or when they come in as far as that goes. But really, this is still a great environment for the stock market. So let’s see what happens.


I look forward to talking to you tomorrow, you can send in your questions to asktom@talkmoneywithtom.com. Our show is 12:15pm to 1:00pm; it’s been a really good time. I love doing that as a whole. And I’ll do a summary for what I see for the week at the beginning of the show. So look forward to seeing you then. Thank you very much.

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.