By Jessica Inskip and Jessie DeNuit
Ready to dive into investing but feeling overwhelmed by financial jargon? Picture yourself learning alongside two friends: one a beginner investor like you and the other a 15-year finance expert. M
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The podcast currently has 55 episodes available.
It's time to give your money a job, but if you can't decide on a company, you can start with a sector.
GICS stands for the Global Industry Classification Standard and they set the classifications for the 11 sectors.
2 Types of Sectors:
The 11 Sectors:
1. Energy
2. Materials
3. Industrials
4. Utilities
5. Healthcare
6. Financials
7. Consumer Discretionary
8. Consumer Staples
9. Information Technology
10. Communication Services
11. Real Estate
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✨ Follow Jess Inskip on TikTok and Instagram ✨
✨ Follow Jessie DeNuit on TikTok and Instagram ✨
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
Important Disclosures: Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.
The Fed aka The Federal Reserve finally cut interest rates. Papa Powell (aka fed chair Jerome Powell) announced this week the federal funds rate is cut by 50 basis points (which means .50%). This might not seem like much to consumers like us, but cutting it by .50% in one meeting is actually a pretty big deal. Normally, everyone would flip out over something like this and wonder if it means we’re in a recession or about to be, but this time, EVERYONE was anticipating it and prepared for it. The stock market is actually at a high today. The S&P 500 rose to a new high today topping the record set July 16th. It’s up 11% since from its low on Aug. 5 when recession panic peaked after the brutal July jobs report. This year, the S&P 500 is up about 19%, despite high interest rates and everything happening in the world this year.
We explore economic indicators, the housing market dynamics, employment trends, and the Fed's dual mandate of balancing maximum employment with price stability. The conversation also touches on the political influences on monetary policy, the definition of inflation, and current market trends, providing listeners with insights into navigating the evolving economic landscape.
The Dot Plot: https://www.federalreserve.gov/monetarypolicy/fomcprojtabl20240918.htm
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Market MakeHer website
Get Your Free eBook: The Stock Market Explained
Subscribe to Our Newsletter
Email [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
Join the Money Coven FB Community
👀 Watch us in action on our YouTube Channel 👀
✨ Follow Jess Inskip on TikTok and Instagram ✨
✨ Follow Jessie DeNuit on TikTok and Instagram ✨
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
Important Disclosures:
Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.
Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.
What Is A Bond? What Are The Different Types Of Bonds? How Do You Buy Bonds?
In this episode of the Market Maker Podcast, Jessie and Jess delve into the world of bonds, discussing their significance in the financial market, the mechanics of how they work, and the various types of bonds available for investment. Explore the relationship between interest rates and bond prices, the importance of credit ratings, and the risks associated with bond investments. We also cover municipal bonds and how to invest in bonds through direct purchases or funds. This is an educational guide to help you understand bonds and their role in investment portfolios (not advice, duh 😉).
Takeaways
🐶 Special Guest Appearance by Darling Lady Darla 🐶
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Market MakeHer website
Get Your Free eBook: The Stock Market Explained
Subscribe to Our Newsletter
Email [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
Join the Money Coven FB Community
👀 Watch us in action on our YouTube Channel 👀
✨ Follow Jess Inskip on TikTok and Instagram ✨
✨ Follow Jessie DeNuit on TikTok and Instagram ✨
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
Important Disclosures:
Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.
Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.
We are revisiting the business cycle and how it relates to the menstrual cycle, much like we did in Episode 13 on Recessions, but we compare the phases in each cycle, side-by-side this time and break it down further.
What Is The Business Cycle?
The Business Cycle is Periods of economic expansion and contraction based on the 3-Ds we discussed last time: depth (how bad is it?), diffusion (how widespread?), and duration (how long?) of a broad range of economic indicators.
The periods of expansion and contraction begin and end with what is called “turning points” as defined by the NBER (National Bureau of Economic Research). The turning points become peaks and troughs. Peaks are when the economy is slowing down. Trough is when it picks back up.
Why Does It Matter?
Monitoring economic data, such as GDP and unemployment, is crucial for assessing the health of the economy and making informed investment decisions. The stock market is not the economy, but it is closely related to the business cycle and the health of the consumer. Understanding the business cycle can help investors anticipate market trends and adjust their investment strategies accordingly.
Hard Landing vs Soft Landing vs No Landing
Soft landing is a slowdown in economic growth with a controlled reduction in inflation (think of a pilot making a slow controlled descent under the cloud cover to safely land a plane) and it’s usually followed by a period of growth.
Hard landing occurs when the economy contracts sharply due to the central bank's efforts to control inflation (raising interest rates too high for too long).
No-landing occurs when the economy continues to grow despite a series of contractions in monetary policies.
"The business cycle, it's like the menstrual cycle, more than just a period."
In this analogy:
The Uterus is the Economy
The Business Cycle is the Menstrual Cycle
The Stock Market is NOT the economy, it's a bunch of companies. So in this example, it could be companies selling pads, tampons, birth control, etc.
[Disclosure: we’re not medical doctors or scientists, so just go with our analogy for funsies.]
The Business Cycle Compared to the Menstrual Cycle
The business cycle is economic phases of expansion and contraction, similar to the Follicular and Luteal phases of the menstrual cycle, with peak and trough turning points, similar to Ovulation and Menstruation.
We also discuss the importance of monitoring economic data, such as GDP and unemployment, to assess the health of the economy and make informed investment decisions. New data will be coming out the day this episode is released. Subscribe to Our Newsletter to stay informed!
Related Links:
Ep 13. Are We In A Recession?
FRED - St. Louis Fed Dashboard
NBER - National Bureau of Economic Research - Business Cycle Dating chart
Still Have More Questions or a Comment?
🙋🏾♀️🙋🏻🙋🏼♀️🙋🏽♂️🙋Holla @ us on:
Market MakeHer website
Get Your Free eBook: The Stock Market Explained
Email [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
👀 Watch us in action on our YouTube Channel 👀
✨ Follow Jess Inskip on TikTok and Instagram ✨
✨ Follow Jessie DeNuit on TikTok and Instagram ✨
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors!
Important Disclosures:
Remember, investing involves risk, and there's always a potential for losses when investing in securities.
Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.
Stock Market Update (SMU)
Let's discuss and demystify the recent volatility in the stock market, NVDA earnings, Jackson Hole highlights including rate cuts, and the dreaded "R" word (recession). 🔮
"If the Mag 7 is coming down, and the other 493 are participating, that is a recipe for sideways action."
~Jess Inskip
Who Are The Magnificent 7?
Alphabet (GOOGL; GOOG), Amazon (AMZN), Apple (AAPL), Meta Platforms (META), Microsoft (MSFT), NVIDIA (NVDA), and Tesla (TSLA)
NVDA is the Taylor Swift of the Stock Market 🤡
Nvidia surpassed earnings, but saw its stock price decline 6.5% today. There's a supply issue, not a demand issue here. And just like there was a let-down for Swifties when Taylor didn't announce Reputation TV, just like Nvidia didn't meet expectations of the market and there was a let-down. But we're still betting on Taylor Swift, so take that correlation how you will (not advice). 😉
The Broadening: Group Participation in the Class Project
Earnings growth is now happening in the other 493 stocks of the S&P 500, indicating a broadening of the market. Check out our episode: What Is Market Breadth (Ep. 45).
Fed (Papa) Powell Finally Gonna Cut Rates 🙌
The recent Jackson Hole meeting indicated that a rate cut is likely, with Fed Chair Jerome Powell focusing on the labor market and the need to avoid further pain. We would be shocked if there isn't a rate cut in September (0.50% is what's being anticipated). And remember, this de-inverts the yield curve and that means your HYSA interest will go down along with bonds, treasurys, CDs, etc.
Recession 🤫
Recessions are determined in hindsight by the NBER, based on factors such as depth, diffusion, and duration. We're going to revisit this topic in the next episode along with the business cycle as compared to the menstrual cycle. 😉
Help Us Help You ⭐️⭐️⭐️⭐️⭐️
Leave us a star rating and/or review. It helps the algorithm gods and goddesses to have us in their favor. 😉
Still Have More Questions or a Comment?
🙋🏾♀️🙋🏻🙋🏼♀️🙋🏽♂️🙋Holla @ us on:
Market MakeHer website
Get Your Free eBook: The Stock Market Explained
Subscribe to Our Newsletter
Email [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
Join the Money Coven FB Community
👀 Watch us in action on our YouTube Channel 👀
✨ Follow Jess Inskip on TikTok and Instagram ✨
✨ Follow Jessie DeNuit on TikTok and Instagram ✨
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
Important Disclosures:
Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.
Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.
Continuing our "Better with my Finance-Sis" Mini-Series, in part 2 we talk all about Funds! But not just the different types of investment funds, also the difference between Passive and Active Funds.
Passive Funds vs Active Funds
What is a passive fund?
Passive funds usually have lower expense ratios, with a more simplified investment strategy and less involvement of fund managers (or they can also be managed by computers).
They do still follow a benchmark and aim to deliver returns with that benchmark, and are still subject to 2 important items we need to cover called: expense ratio and tracking error.
Tracking Error Defined: Tracking error is a measure of how closely a portfolio follows the index to which it is benchmarked.
Expense Ratio Defined: The expense ratio is how much of a fund's assets are used towards administrative and other operating expenses. Because an expense ratio reduces a fund's assets, it reduces the returns investors receive.
What is an active fund?
Active funds typically feature higher expense ratios, attributed to the fund manager's in-depth research, analysis, and management efforts.
Funds We Discuss:
✨ Follow Jacey Saige on TikTok and Instagram ✨
✨ Follow Jess Inskip on TikTok and Instagram ✨
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Market MakeHer website
Get Your Free eBook: The Stock Market Explained
Subscribe to Our Newsletter
Email [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
Join the Money Coven FB Community
👀 Watch us in action on our YouTube Channel 👀
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
Important Disclosures:
Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.
Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.
🔮 Introducing a new mini-series with our Gen Z "finance-sis" Jacey Saige. It's Jessie DeNuit's turn to teach how the stock market works while Jessica Inskip makes sure she's not leading Jacey astray.
In part 1, we talk about why we invest and try to simplify how the stock market works, as best as possible without too many tangents. 🙃
✨ Follow Jacey on TikTok and Instagram ✨
Still Have More Questions or a Comment?
🙋🏾♀️🙋🏻🙋🏼♀️🙋🏽♂️🙋Holla @ us on:
Market MakeHer website
Get Your Free eBook: The Stock Market Explained
Subscribe to Our Newsletter
Email [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
Join the Money Coven FB Community
👀 Watch us in action on our YouTube Channel 👀
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
The stock market has been having quite the week since our last episode on the Fed’s decision to NOT do a rate cut and the resulting effects of the not-so-great unemployment numbers that came out last Friday.
Recipe for disaster?
Is the stock market crashing? Why was there a sell-off and what is a market sell-off? And is this a good time for us self-directed investors to invest more, like, is the stock market on sale?
What were the sell-off ingredients?
Sell-Off Decline: Pull-Back, Correction, Bear Market?
We all know that the stock market recently tanked and there was a huge sell-off. Was this a pull back or a correction, are we in a bear market.
The difference is a decline of:
Pull back = 5-9%
Correction = 10 -19% (Stock Market Is Currently Here)
Bear market = >20%
✨The recent turbulence was the most severe since the 34% decline that occurred in Q1 2020.
✨ Market corrections happen almost every year. Since the early 1980s, there's been a greater than 5% drawdown in the S&P 500 Index in every year but two (1995 and 2017).
✨ The stock market has historically recovered quickly from corrections. The average time to recovery from a 5%-10% downturn is three months. The average time to recovery from a 10%-20% correction is eight months.
✨80% of corrections since 1974 have not led to a bear market.
✨ There's a 73% probability of a double rate cute (.50%)
How do we know we are in a recession?
Great Analogy: https://www.tiktok.com/t/ZTNgX6jUW/
Related Episodes:
Ep. 46) Fed Update: What is Event Risk? Could it Trigger a Sell-Off?
Ep. 45) What is Market Breadth & Concentration Risk? Why Should YOU Care?
Ep 18): Understand the Yield Curve, Treasury Bonds, and Stock Market Impacts
Ep. 15) Are we in a recession? What and who defines a recession?
Ep. 14) What’s going on with Inflation?
Still Have More Questions or a Comment?
🙋🏾♀️🙋🏻🙋🏼♀️🙋🏽♂️🙋Holla @ us on:
Market MakeHer website
Get Your Free eBook: The Stock Market Explained
All Our Links
Email Us [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
Join the Money Coven FB Community
👀 Watch us in action on our YouTube Channel 👀
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
Important Disclosures:
Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.
Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.
We recorded this on 08/01/2024, knowing that unemployment numbers will not drop until this podcast airs on 08/02/2024, and that might also change so keep that in mind.
**Employment Report Update from Jess**
Fed's View on Labor Market:
Unemployment Report Highlights:
Fed Meeting Notes aka The Powell-Point
Fed Chairman Jerome Powell announced on the latest FOMC press conference that there will NOT be any rate cuts. We're shocked, really. Let's go through the data!
It's no secret that most of us Americans are feeling the impact of higher rates to borrow money and inflation. But finally! It's not just us smaller consumers feeling the heat, larger companies are as they reported revenue declines. And if the big companies feel it, they will have to make some changes.
Price Stability + Max Employment & Event Risk
Something feels broken. The Fed has a toolkit to use when something is broken. Which means: rate cuts!
What does it mean for you?
We might see some sell-off in certain sectors. But that is normal rotation. Remember, this is not financial advice, but we have some episodes on What Is Inflation, CD Laddering, Bond ETFs, Are We In a Recession, etc., for you to understand what happens when the Yield Curve is de-inverted and what happens when rates inevitably get cut. Are you going to move your HYSA money into a Treasury, CD Ladder, or Bond Fund?
Investing Rollercoaster
DON'T be an emotional investor. You are buckled in for the long ride. The full rollercoaster. Time in the market is the most important and we've seen that even though the market goes up and down, the S&P 500 has continued to go up over the history of time.
Also, when rates get cut, it usually trickles down to us with more competitive loan prices (auto loan, home loans, etc.)
Still Have More Questions or a Comment?
🙋🏾♀️🙋🏻🙋🏼♀️🙋🏽♂️🙋Holla @ us on:
Market MakeHer website
Get Your Free eBook: The Stock Market Explained
Subscribe to Our Newsletter
Email [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
Join the Money Coven FB Community
👀 Watch us in action on our YouTube Channel 👀
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
Important Disclosures:
Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.
Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.
Inflation is at an all-time high and so is the stock market. This is a tale of two markets. How is the S&P 500 making record highs when so many Americans are living paycheck to paycheck?
We're going to break it all down. What's happening in the stock market, what the S&P 500 actually is, what market breadth and concentration risk means and why it all matters to you! We also discuss small-cap, mid-cap, large-cap, and even mega-cap companies in your portfolio, briefly, because the small-cap companies are starting to come up. This one is a little intermediate, but all very valuable info when you are a self-directed investor learning how to manage your portfolios to reach your goals. 💰💰💰
(Go to the 20-minute mark for a great analogy about this stuff if you get lost leading up to that point 😉🔮)
Free eBook: The Stock Market Explained
Today's Hosts
Today's episode was hosted by our resident finance expert with 15 years of experience, Jessica Inskip (TikTok and Instagram) and our newest Market MakeHer finance-sis, Jacey Saige, a Gen Z investor here to learn everything she can about investing so she can spread financial literacy to her audience on TikTok and Instagram!
Still Have More Questions or a Comment?
🙋🏾♀️🙋🏻🙋🏼♀️🙋🏽♂️🙋Holla @ us on:
Market MakeHer website
Get Your Free eBook: The Stock Market Explained
Subscribe to Our Newsletter
Email [email protected]
Instagram @marketmakeherpodcast
TikTok @marketmakeher
X/Twitter @MarketMakeHer
Join the Money Coven FB Community
👀 Watch us in action on our YouTube Channel 👀
About Us 🌚🌞
Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our website!
Important Disclosures:
Market MakeHer podcast is unsponsored at the time of recording. Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.
Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.
The podcast currently has 55 episodes available.
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