Full Show: The Secret to Consistent Investing and Your Financial Safety Net for Any Market | Clark Howard Video
Are you tired of "FOMO Freddie" always bragging about his latest hot investment? Fiduciary financial advisor Wes Moss reveals why chasing market trends is a dangerous game and how sticking to your investment style is the key to long-term success. We'll dive into the perils of FOMO investing and show you what happens when you jump from one "best" strategy to the next. Also, Wes breaks down the critical concept of "dry powder" – what it is, why you need it, and how it acts as your ultimate financial buffer during market downturns. Learn about the different types of liquid safety assets that can protect your portfolio and give you peace of mind, no matter what the economy throws your way.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 24, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: link
00:00 - Intro
01:28 - The Secret to Consistent Investing
09:21 - Ask an Advisor - Should I worry about missing a good day in the market when transferring IRA funds to a new advisor? (Donna in Virginia)
15:18 - Ask an Advisor - What should I do with $10,000 sitting in my TreasuryDirect account? (Barrington in North Carolina)
16:51 - Ask an Advisor - Are market-linked notes a smart move for downside protection in a newly converted IRA? (Brooke in Massachusetts)
21:01 - Your Financial Safety Net for Any Market
28:27 - Ask an Advisor - Can I skip bonds in my retirement portfolio if I build up an emergency fund with I Bonds instead? (Brandon in Tennessee)
31:50 - Ask an Advisor - Are tax-exempt bonds like VWALX a smart move for a high earner with $10 million in retirement assets? (Brandon in Texas)
36:07 - Ask an Advisor - Is a 0.9% fee for “smart weighting” worth it over investing in target date and S&P 500 index funds? (Justin in New York)
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