Tag: Diversification Tips

Volatility Isn’t the Enemy

Volatility Isn’t the Enemy

Volatility Isn’t the Villain—Your Reaction Might Be

⚠️ Breaking news: The market went down.
🎉 Also breaking: It went back up. And down again. And… you get the idea.

If market swings give you anxiety and make you want to cash out faster than a kid with birthday money at Target—this one’s for you.

Because here’s the truth: Volatility isn’t the enemy. Panic is.


📉 The Market Is a Roller Coaster—Not a Death Trap

Yes, it goes up and down. But like a roller coaster, unless you jump off mid-ride, you’ll end up back on solid ground. Investors who stay buckled in, even through the loops and dips, historically come out ahead.

🧠 The Cost of Freaking Out

Missing just a handful of the best market days can crush your long-term returns. And spoiler alert: those “best days” often come right after the worst ones. Selling out during chaos feels safe… until you realize you locked in your losses and missed the rebound party.

🛟 What Should You Do Instead?

  • Stick to your plan.

  • Don’t try to outsmart the headlines.

  • And for the love of compounding interest—don’t turn your portfolio into a panic button.


🎙️ In the latest Real Talk audio, I break down exactly why staying invested matters, how volatility can actually be your friend (yep), and why your financial future deserves more than emotional decision-making.


Bottom line:
The market will swing. That’s its job.
Your job? Stay grounded. Stay invested. Stay smart.

Let’s un-eff your finances—one mindset shift at a time.

#UnEffYourFinances #VolatilityIsNormal #StayInvested #GameChangersAndWealthBuilders #RealTalkMoney #BehavioralFinance #LongTermWins

Navigating Market Pullbacks: What You Need to Know

Navigating Market Pullbacks: What You Need to Know

What can market pullbacks teach us about investing?

Tune into this round of Un Eff Your Finances, Nicholas St. George dives into the intricacies of market pullbacks. Buckle up as Nick unravels the chaos and gets to the heart of why these pullbacks aren’t just unavoidable but can actually work in your favor!

Nick discusses:

  • (00:03:00) The normalcy of market pullbacks and how history shows they’re nothing to fear
  • (00:06:04) Strategies to use pullbacks to your advantage through smart planning
  • (00:08:16). Keeping emotions in check during volatile times and sticking to your plan
  • (00:14:3) The impact of inflation on spending power and why long-term growth is vital
  • (00:25:20) The importance of having a solid and adaptable financial plan in place

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Avoiding Financial Train Wrecks with Eric Woodraska (Ep. 8)

Avoiding Financial Train Wrecks with Eric Woodraska (Ep. 8)

Ever wonder why your retirement portfolio might resemble a messy clearance aisle at TJ Maxx?

In this episode, Nick St. George sits down with Eric Woodraska, Client Portfolio Manager from Helios, a financial wizard who knows his way around a portfolio like no other! They dig into the good, the bad, and the downright “what were they thinking” moments of investment management. This conversation is brimming with real-life portfolio mishaps and tips to steer clear of those financial train wrecks. Plus, it’s not all business – find out their bourbon favorites, because hey, life’s about balance, right?

Nicholas and Eric discuss: 

  • (02:12) The risks of concentrating investments in one fund family and how diversification should really look  
  • (06:28) A simple guide to understanding fund performance metrics, from flashy returns to actual sustainability 
  • (13:45) How to avoid the ‘latest-and-greatest’ investment traps and stick to what’s proven 
  • (22:01) The impact of risk tolerance on portfolio choices, especially during unpredictable markets 
  • And more

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