The Memo by Howard Marks

The Rewind: You Can’t Predict. You Can Prepare.

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Feb 24, 2021
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INSIGHT

Risk Versus Loss Distinction

  • Risk is the possibility of a bad outcome while loss is the realization of that outcome.
  • Assets can be risky for long periods until an external shock exposes vulnerability.
ADVICE

Lean Against The Cycle

  • Assess vulnerability by where you stand in the cycle and reduce exposures when markets are elevated.
  • It's wiser to act early with measured caution than to be late and suffer bigger losses.
INSIGHT

Psychology Amplifies Market Moves

  • Psychology dominates short-term market movements far more than fundamentals.
  • Small economic swings produce large equity swings because investor sentiment amplifies them.
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