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September is historically the worst month of the year.
Past two years? S&P 500 was up 2.0% and 3.5% 🤷
This chart puts the past three years into perspective.
US stock returns are currently near the top of the historical range.
The recent past has been exceptional. Don’t expect it to be the norm.
Interested in SpaceX?
A great company doesn’t always make a great investment.
All 10 of the largest U.S. IPOs since 1999 had negative returns one year after going public.
3. Liquidity 💧
Not all assets are easy to access when you need cash.
Cash = most liquid
Real estate = not so much
Balance liquid and illiquid assets so you can handle emergencies without disrupting long-term investments.
The Bottom Line
Diversification isn’t just about owning lots of stuff.
It’s about balance across:
✔️ Investment types
✔️ Account types
✔️ Liquidity levels
Do it right, and your financial plan gets a lot more resilient.
3 Types of Diversification That Actually Matter...
Everyone says “Be diversified.”
But what does that really mean?👇
1. Investment Mix 📊
Don’t put all your eggs in one basket.
Diversifying across different asset classes and types.
Being too concentrated in one investment can significantly increase your overall risk.
The cost of sending our daughter to college could reach $𝟔𝟎𝟎,𝟎𝟎𝟎...
And that’s to attend my alma mater, Michigan State.
If you have kids (or plan to), don’t wait to start saving. Even small steps today can make a big difference later.
There's a long list of changes but these are some of the most notable for financial planning. If you have any questions don't hesitate to reach out.