It certainly never feels good to lose value in your investments, and we understand that no one begins investing with the intention of losing money! However, the inevitable ups and downs of the stock market will occur. The premise of TLH is to sell some of your investments at a loss to offset gains you may have realized from selling other investments that increased in value...

This year for investors has been unusually difficult and painful. After many years of positive market returns even in the face of things like Covid-19, threats of trade wars, and geopolitical events like Brexit and the Greek Debt Crisis, 2022 is producing our first truly substantial downturn since the Great Financial Crisis in 2008. While market volatility isn’t new for investors, the length and duration of the drawdowns in the markets feels new and different for many investors, because it is. For the first time in almost twenty years, many investors are having to grapple with Loss Fatigue.

If you’ve ever spoken to anyone who has run a long-distance race, swam an endurance swim, or competed in an endurance event of any kind, they will tell you about the euphoric moment of finishing or even winning the event, but often the pain of training and enduring is left out. Similarly, when investing we talk about our wins or how we completed our financial goals, but we fail to share the pain or anxiety that comes with that at times. Unfortunately for many of us in our marathon of investing, we are in the midst of training season and now is a difficult time.

What are I Bonds? I Bonds are savings bonds that earn a combined interest of the rate of inflation and a fixed interest rate for the life of the bond. Through the end of October 2022, a I Bond is paying over 9% in interest.