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#62: How To Be Better Prepared For A Massive Market Drop
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Market Fluctuations don’t disappear with time, they compound, and a single market crash can destroy decades of growth. In this episode of Money Isn’t, John L. Smallwood breaks down one of the most misunderstood risks in retirement: one-year volatility. He reveals why market dips late in your investing life can be devastating, even if you’ve been “in the market” for 20 years. John shares a smarter way to build buffers, protect gains, and avoid mistakes that cost investors millions. Learn how to diversify with tools like annuities, cash positions, and planning for macroeconomic shocks. If you’ve built wealth, this episode is essential to keeping it.
Chapters
(00:00) Introduction
(01:28) Why $1M Can Suddenly Drop 40%
(03:47) How Sequence of Returns Can Ruin Your Retirement
(05:23) The Devastating Impact Of Selling During a Crash
(07:54) You Don’t Actually Get the Average Market
(09:36) Diversification Should Be Unique To You
(11:54) Conclusion: Understanding Full Spectrum Of Risk
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
View all episodes
By John L. Smallwood
4.2
55 ratings
To work with Smallwood Wealth Management visit http://Go.oncehub.com/swconcierge to schedule a call today!
Market Fluctuations don’t disappear with time, they compound, and a single market crash can destroy decades of growth. In this episode of Money Isn’t, John L. Smallwood breaks down one of the most misunderstood risks in retirement: one-year volatility. He reveals why market dips late in your investing life can be devastating, even if you’ve been “in the market” for 20 years. John shares a smarter way to build buffers, protect gains, and avoid mistakes that cost investors millions. Learn how to diversify with tools like annuities, cash positions, and planning for macroeconomic shocks. If you’ve built wealth, this episode is essential to keeping it.
Chapters
(00:00) Introduction
(01:28) Why $1M Can Suddenly Drop 40%
(03:47) How Sequence of Returns Can Ruin Your Retirement
(05:23) The Devastating Impact Of Selling During a Crash
(07:54) You Don’t Actually Get the Average Market
(09:36) Diversification Should Be Unique To You
(11:54) Conclusion: Understanding Full Spectrum Of Risk
Enjoyed the episode? Make sure to like, subscribe, and leave a comment with your thoughts. Don't miss out on future insights from John Smallwood!
Connect with Us On Social Media
Instagram: https://www.instagram.com/smallwoodwealth
LinkedIn: https://www.linkedin.com/in/john-l-smallwood
Facebook: https://www.facebook.com/SmallwoodWealthManagement
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DC, DE, FL, GA, IL, LA, MA, ME, NC, NH, NJ, NM, NY, OH, PA, RI, SC, TX, UT, VA. No offers may be made or accepted from any resident outside these states due to various regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Fixed insurance products and services are offered through Ash Brokerage or Smallwood Associates, Ltd. Fixed annuities are long-term insurance products. Before you purchase, be sure to talk to your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives. All guarantees are based on the continued claims-paying ability of the issuing company. Investment Advisory Services are provided by Smallwood Wealth Investment Management, LLC, an SEC-registered investment advisor. Headquartered at 199 Broad Street, Red Bank NJ 07701-2056.
Securities offered through Regulus Financial Group, LLC. Member FINRA/SIPC. Headquartered at 2687 44th St. SE Kentwood, MI 49512. Regulus Financial Group, LLC and Smallwood Wealth Investment Management, LLC are not affiliated companies.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.