Shelter-in-Place Stock Market Update 1.15.2021 – It might be time to use a stop-loss in your portfolio.

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.

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Transcript

Hello, everybody, welcome to Friday, the S&P 500 was down about .7%. Today, and actually, today was a pretty red day just meaning a vast majority of the pieces that I’ve seen are down. If you look at a majority of the, you know, Vanguard, and iShare and State Street positions, at least in the stock market, most of them are red today. And that’s okay. You know, we’ve had a really good run so far this year, it is somewhat important to take breaks once in a while and have some backfill, and let things kind of settle in, and maybe get down to a price where people get excited, I’ve mentioned this before, and it’s been very accurate so far.

You know, when you’re in an upward market, the major move is up, and the minor move is down. And so today was a, you know, still minor move down, and it comes down far enough generally, to excite people to start to buy again, and that’s what kind of propels us to the next higher level. And so, you know, at the moment, you know, with just this one day being down, as far as that goes, that’s what we’ll assume. But I have something to talk to you about today, just in terms of really kind of a risk management technique, there’s a lot of different ways to manage risk, you know, how much bonds you have, versus how much stock, what types of bonds versus what types of stock, all of those things are portfolio design components that we can do to try to manage risk. And that’s what we do on an ongoing basis. Sometimes we’ll ratchet risk up a little bit, if we you know, within a within a range, we think things are, you know, very positive, or ratcheting down if we think things are more negative, et cetera. But there’s another thing called a Stop Loss.

So let me let me tell you how this works and kind of show you as far as that goes, let me share my screen. Okay, so this particular chart that we’re looking at here is called, you know, Invesco Solar, and it’s a company called, you know, the ticker symbols TAN T-A-N. And you can see this has had a fantastic run really, really good. And then here’s what happened, you know, with the Georgia election, see this big jump here, and it really ran again, and I mentioned a couple of videos ago that I felt like clean energy, including this would have some type of backfill, just because it moved up so fast, so much, so quickly, you end up with some type of a backfill. And that’s exactly what’s happened here today. If you notice, you know, we refilled this gap, which again, is a quite a common scenario. And when we came down, if you look, here’s the, you know, the support area of volume. And you can kind of see right here, this little grouping of shares, that was traded, you know, kind of at a similar level, and that’s what this is showing out here is how many shares traded at each level.

And so that’s, that’s okay, I don’t have any problem with this particular move, even though you know, it’s down a lot for the day, it’s still a normal part of the process. I’m not too concerned about that. But if we take a look at the totality of the run, and including this big jump here, it’s time to probably put in some type of other protection measures. So if you see right here, this is what’s called a Stop Loss. And so I’ve put this in this, this program that I’m using is called Think Pipes, and have a really great way of putting in a Stop Loss. I can, I can link this into all of our different accounts. And you can see we have 56,000 shares here, for example. And this is just the IRA type accounts in this particular case. And I can put in a Stop Loss. Now the beauty of it is I can put a Stop Loss in based on the chart. And so what I’m really looking at right here is this little grouping of days where things kind of stayed the same, and this grouping of volume, and I’m putting it just below that. And so the idea is if it does come back down through here, it would sell us out of that position.

Now, not Stop Losses don’t always work perfectly. There’s for a variety of reasons. But it’s a great concept in this particular case, because what you see here is there’s not a lot of volume all the way back down to here. And so maybe we it’s better to get out and rest for a while and then figure out what we want to do in this particular case. But I do have that pretty far away from the top. Because I like this holding, I want to have a chance to hang in there, you know, you can see it dropped here, for example, before it really took off. So you’d hate to get knocked out right here and then have it run on you. So I do give it plenty of room.

But there’s a logic to where we’re setting it. We’re setting it below this little verse support area here and still trying to give it some room. Because you can see here that you know a lot of times it’ll run right through right to the next support. And again, that would be through here all the way down to here. And so that’s what a Stop Loss is, and I’m pretty excited about, you know what that can do for us. We put Stop Losses in for most of our big positions, it’s different than IRA, we’re going to put those Stop Losses in a little bit tighter a non-IRA account, we’d probably put it away farther away, because we don’t want to generate a bunch of taxable income. But we do want to try to protect some of our profits here, I want to let things run. And if the market continues to go upwards, that’s great.

Let’s keep going. And if the market pulls back really, really sharply or falls apart, then we’ve got some floor to kind of the risk that we’re taking at least on these positions. So again, no guarantees, but it’s part of the process of, you know, kind of managing risk, which I’m pretty excited about. I think it’s a great strategy right now, I don’t normally like Stop Losses, especially in sideways markets. But that’s not what we’re dealing with here right now. This is pretty much a straight up market, especially in the areas that we’re in. And so I think that’s something that I hope you appreciate, and would love to continue to talk to you about it. But let’s see what happens on Monday. I think things are going to be really interesting. 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.