Full Show: Stock Market Fear Index and Missing the Worst Market Days Hurts You More Than You Think | Clark Howard Video
Feeling anxious about the volatile market in 2025? Fiduciary financial advisor Wes Moss breaks down why history shows us that peak fear always subsides. He analyzes past VIX spikes over the last 25 years to offer a reassuring perspective. Learn why it's unlikely this heightened fear will last forever and what history tells us about market recovery. Also, you've heard about the cost of missing the best market days, but what about the worst? Wes explains why trying to sidestep market downturns is often a losing strategy.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 29, 2025, Ask an Advisor episode of the Clark Howard podcast.
Submit your questions: link
00:00 - Intro
00:48 - Full Show: Stock Market Fear Index
09:08 - Ask an Advisor - At 36, earning $76K and contributing 6% to a Roth 401(k), how can I catch up to retirement savings goals by 67? Would a $10K–$20K pay bump in 1–2 years help me get back on track by 40 despite family costs? (Anonymous in Maryland)
13:37 - Ask an Advisor - If I’m still working at 72, can I delay required minimum distributions until I retire at 73? (Kathy in Oklahoma)
15:37 - Ask an Advisor - We’re 80, selling our home and will be $200K short on our new 55+ community purchase. With $6M across IRA, Roth, and brokerage accounts, which source should we tap to minimize taxes? (Martin in South Carolina)
19:01 - Missing the Worst Market Days Hurts You More Than You Think
24:31 - Ask an Advisor - ETFs benefit investors, but how do issuers profit from them with such low fees? What’s their financial incentive? (Andrew in Iowa)
29:20 - Ask an Advisor - We’re retiring soon, ages 63 and 77, with $250K in traditional retirement accounts. With low living expenses and Social Security, how much should we move to cash, and where should we keep it? (Laura in Georgia)
32:29 - Ask an Advisor - Best way to give elderly parent spending money to spend with leisure without giving full access to their finances.
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