Lately, the stock market has been steadily climbing—setting new highs again and again. They may not always be headline-grabbing milestones, but it’s clear the market is grinding higher over time.
Earlier this month, I met with Dean and Kaitlyn, two family physicians in their 30s who are building momentum after years of medical training and residency. We started working together earlier this year, setting a financial roadmap and tackling key items one by one—like jumpstarting their investments.
During our September meeting, Dean asked a question I hear often:
“I constantly look at our bank account and then the market, wondering… is now a good time to add more?”
It’s a smart question—especially from a couple that’s incredibly thoughtful and driven. While they’ve built a strong foundation, they’re leaning on me to help them confidently invest over time.
Here’s what I shared with Dean and Kaitlyn:
Trying to time the market—guessing when to buy in or stay on the sidelines—is incredibly tough. But we can take advantage of 5–10% dips by having cash ready to invest when opportunities arise.
And we can lean on the data:
- Since 1995, the S&P 500 has averaged a 9.33% annual return.
- Looking back to 1970, after hitting new highs, the average 12-month return is still 9.4%, according to JP Morgan.
That’s the power of consistency. A solid financial plan helps take the guesswork and anxiety out of investing, especially when markets feel unpredictable.
If you—or someone you know—has questions about when and how to invest, here’s my calendar to schedule a time to talk. I’m always happy to help clients and friends navigate these decisions as life and goals evolve.
– Peyton H.
P.S. – Here are a few things I am reading/listening/watching: