In this episode of Inside the Plan with the 401(k) Brothers, Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about returns, markets, and historical numbers associated with the S&P 500.

Episode Highlights:

• 01:12 – Bill Bush and Andy Bush talk about forms of volatility that have

affected the stock market, like the pandemic.

• 02:32 – Every generation has its own big issues that affect the stock market.

• 03:06 – What can you learn from looking at the S&P 500 in various periods?

• 06:34 – How far out are you going to need the money that you are investing?

• 08:04 – Keep in mind that there is a great chance that you or your spouse may live to 90.

• 08:42 – Everyone’s risk-tolerance is different.

• 10:40 – The pandemic caused people to rethink their original retirement plans.

• 12:15 – What is ‘dollar-cost averaging?’

• 18:40 – The 7 of the 10 best days of the market have occurred within 2 weeks of the worst 10 days market.

3 Key Points:

1. Looking at one-year periods since 1926, the S&P 500 has been positive just over 75% of the time.
2. Looking at five-year periods since 1926, the S&P 500 has been positive just about 84% of the time.
3. Looking at ten-year periods since 1926, the S&P 500 has been positive just about 90% of the time.

Tweetable Quotes:

• “Pull yourself out of the weeds of this moment and look at your portfolio more in a longer-term perspective.” – Andy Bush
• “‘Hindsight being 20/20, we have that benefit of knowing how things turned out. Whereas, as we experience anything today, we don’t know how it is necessarily going to turn out.” – Andy Bush
• “‘Past performance is no indication of future results.’” – Bill Bush

Resources Mentioned:

• Inside The Plan with the 401(k) Brothers-- Discover more about the Podcast

• Horizon Financial Group

• Contact Information:

• bbush@horizonfg.com
• Abush@horizonfg.com