{"id":9918,"date":"2025-04-27T07:00:00","date_gmt":"2025-04-27T07:00:00","guid":{"rendered":"https:\/\/riverbend.objectivebrand.com\/?p=9918"},"modified":"2025-04-23T13:47:04","modified_gmt":"2025-04-23T13:47:04","slug":"actions-to-take-in-a-down-market","status":"publish","type":"post","link":"https:\/\/riverbend.objectivebrand.com\/?p=9918","title":{"rendered":"Actions to Take in a Down Market-Finger Financial Five #210"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9918\" class=\"elementor elementor-9918\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e98793d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e98793d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1aee50\" data-id=\"a1aee50\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-005896d elementor-blockquote--skin-border elementor-blockquote--button-view-icon-text elementor-blockquote--button-skin-classic elementor-widget elementor-widget-blockquote\" data-id=\"005896d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<blockquote class=\"elementor-blockquote\">\n\t\t\t<p class=\"elementor-blockquote__content\">\n\t\t\t\t\u201cPeace is not the absence of storms, but enduring them and still having calm in your heart.\u201d\n\t\t\t<\/p>\n\t\t\t\t\t\t\t<div class=\"e-q-footer\">\n\t\t\t\t\t\t\t\t\t\t\t<cite class=\"elementor-blockquote__author\">Paraphrased from Mark 4:35-41 and Buddha<\/cite>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?text=%E2%80%9CPeace+is+not+the+absence+of+storms%2C+but+enduring+them+and+still+having+calm+in+your+heart.%E2%80%9D%0A+%E2%80%94+Paraphrased+from+Mark+4%3A35-41+and+Buddha&amp;url=https%3A%2F%2Friverbend.objectivebrand.com%2F%3Fp%3D9918\" class=\"elementor-blockquote__tweet-button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-blockquote__tweet-label\">Tweet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/blockquote>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-385a9a3 elementor-widget elementor-widget-text-editor\" data-id=\"385a9a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 500;\">What do you do if you are driving and it starts raining? Maybe you drive a little slower. Maybe you turn on the windshield wipers and the headlights.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 500;\">How about a flat tire? Do you have a membership with AAA? Do you have a spare? Do you know how to change it?\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 500;\">Cars are equipped with the needed safety features to navigate weather and road hazards.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 500;\">The same is true with your retirement plan.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 500;\">It should be built to withstand potholes, flat tires, and rain. It does not mean your account value won&#8217;t go down; it means that <\/span><b>you are still on track to meet your retirement goals.\u00a0<\/b><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 500;\">We discussed emotions and investing in <\/span><a href=\"https:\/\/riverbend.objectivebrand.com\/finger-financial-five\/\"><span style=\"font-weight: 500;\">FFF #208 and #209<\/span><\/a><span style=\"font-weight: 500;\">.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 500;\">Now let\u2019s discuss the actions you can take in a down market.\u00a0<\/span><\/p><ul><li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Tax loss harvesting<\/span><\/li><li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Contribute\/invest more<\/span><\/li><li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Rebalancing your investments (which can buy more stocks that are down and keep your overall allocation intact)<\/span><\/li><li style=\"font-weight: 500;\" aria-level=\"1\"><a href=\"https:\/\/riverbend.objectivebrand.com\/roth-conversions-the-widows-penalty-finger-financial-five-128\/\"><span style=\"font-weight: 500;\">Do Roth Conversions<\/span><\/a><\/li><li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Temporarily be slightly more aggressive<\/span><\/li><li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Use <\/span><a href=\"https:\/\/riverbend.objectivebrand.com\/downturns-in-the-market-dont-have-to-equal-downturns-in-our-emotions-finger-financial-five-165\/\"><span style=\"font-weight: 500;\">cash buffer and\/or bonds for income<\/span><\/a><\/li><li style=\"font-weight: 500;\" aria-level=\"1\"><span style=\"font-weight: 500;\">Reinvest dividends instead of cashing them out<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 500;\">These actions are the equivalent of changing the flat and turning on the wipers.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 500;\">If you are a client, we do this <\/span><i><span style=\"font-weight: 500;\">for<\/span><\/i><span style=\"font-weight: 500;\"> you.\u00a0<\/span><\/p><p><span style=\"font-weight: 500;\">We drive the limo.\u00a0<\/span><\/p><p><span style=\"font-weight: 500;\">Your job is to sit back, live your life, and enjoy the view.<\/span><\/p><p>Should you claim Social Security at 62? <a href=\"https:\/\/link.edgepilot.com\/s\/fd6be945\/Eem-TcaU90GSk5_SX71QQw?u=https:\/\/www.youtube.com\/watch?v=4FhWtKH1Ct4\" target=\"_blank\" rel=\"noopener\">Watch now<\/a> to see if it\u2019s the right choice for you!<\/p><p><a href=\"https:\/\/youtu.be\/4FhWtKH1Ct4\" target=\"_blank\" rel=\"noopener\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-9921\" src=\"http:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/04\/9ee75340-8300-4ace-b7be-11c88b9a8c03-300x169.jpg\" alt=\"4 Reasons You Should Take Social Security at 62\" width=\"300\" height=\"169\" srcset=\"https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/04\/9ee75340-8300-4ace-b7be-11c88b9a8c03-300x169.jpg 300w, https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/04\/9ee75340-8300-4ace-b7be-11c88b9a8c03-768x432.jpg 768w, https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/04\/9ee75340-8300-4ace-b7be-11c88b9a8c03-610x343.jpg 610w, https:\/\/riverbend.objectivebrand.com\/wp-content\/uploads\/2025\/04\/9ee75340-8300-4ace-b7be-11c88b9a8c03.jpg 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u201cPeace is not the absence of storms, but enduring them and still having calm in your heart.\u201d Paraphrased from Mark 4:35-41 and Buddha Tweet What do you do if you are driving and it starts&#8230; <a class=\"read-more\" title=\"FULL STORY\" href=\"https:\/\/riverbend.objectivebrand.com\/?p=9918\">Read More<\/a><\/p>\n","protected":false},"author":3,"featured_media":9920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4],"tags":[133,86,63],"class_list":{"0":"post-9918","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finger-financial-five","8":"tag-market","9":"tag-retirement","10":"tag-tax","11":"entry"},"acf":[],"_links":{"self":[{"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/posts\/9918","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9918"}],"version-history":[{"count":8,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/posts\/9918\/revisions"}],"predecessor-version":[{"id":9929,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/posts\/9918\/revisions\/9929"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=\/wp\/v2\/media\/9920"}],"wp:attachment":[{"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9918"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9918"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riverbend.objectivebrand.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9918"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}