5 Surprising Investing Facts That You've (Probably) Never Heard
Stay Wealthy Retirement Podcast
Taylor Schulte, CFP®
2.4 • 606 Ratings
🗓️ 15 August 2024
⏱️ 22 minutes
🧾️ Download transcript
Summary
Today, I’m sharing FIVE surprising statistics about the economy, markets, and retirement.
For example, one stat highlights a "stock market indicator" that has a 100% success rate 😳
Another emphasizes a growing insurance risk that everyone needs to protect against.
Along with being entertaining, these stats bring important investing and planning topics to the surface.
They also serve as important reminders.
If you’re ready to have some fun learning about the history of the markets and little-known investing facts, this episode is for you.
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Transcript
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| 0:00.0 | This show is a proud member of the Retirement Podcast Network. |
| 0:09.8 | Welcome to this dayw-l-l-d-podcast. I'm your host Taylor Schulte, and today I'm sharing five |
| 0:13.7 | surprising and informative facts about the economy, markets, and retirement planning. |
| 0:18.5 | Long-time listeners might remember that I've published surprising |
| 0:21.1 | facts episodes the last two years and they always proved to be a well-received, much-needed |
| 0:26.1 | break from the daily news cycles and complexities of retirement and tax planning. If you missed |
| 0:31.1 | the fun fact episodes that I've done in the past, I'll provide links to them in today's show |
| 0:34.8 | notes, but there are two favorite stats from last year's |
| 0:38.0 | episode that I just find myself continuing to revisit and share with people. The first was a |
| 0:43.2 | statistic that I shared about investing in cash, which has become an increasingly popular topic |
| 0:48.5 | in recent years with interest rates now at levels that we haven't seen since 2007. The stat that I shared was that from June of 1933 to June of 2001, a 68 year time period, |
| 1:01.5 | one month treasury bills, i.e. cash, produced negative real returns. |
| 1:06.9 | For 68 years, cash produced a negative real return. |
| 1:10.7 | As a reminder, the real return of an investment is the rate of return after accounting for inflation. For example, if your nominal rate of return on an investment is 3% and inflation is 4%, you have a negative 1% real return. Inflation aid away at all of your investment returns and a little bit more. |
| 1:30.9 | Real returns are important to monitor because the reason most people invest their hard-earned money in the global markets |
| 1:36.5 | is to preserve their purchasing power and outpace inflation for long periods of time, |
| 1:42.3 | especially in retirement when traditional income sources shut off. |
| 1:46.0 | But during this 68-year time period, almost seven decades, inflation outperformed cash. |
| 1:52.2 | As Michael Batnik has wisely stated in some of his writings, quote, what safe in the short run can be risky in the long run. |
| 1:59.5 | The other stat from the last episode that has stuck |
| 2:02.0 | with me is about long-term care. As you may be able to attest to, most retirement savers at some |
| 2:08.2 | point in their life have been told or have read somewhere that 70% of people, 7 out of 10 people |
... |
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