Personal Finance for Long-Term Investors - The Best Interest

Reset Your Portfolio Expectations, Before It's Too Late | Peter Lazaroff - E112

6 snips
Jul 23, 2025
Peter Lazaroff, Chief Investment Officer at PlanCorp and host of The Long-Term Investor podcast, dives into the psychology of investing amid uncertainty. He highlights how media narratives can skew perceptions and urges a focus on business earnings. Peter discusses the importance of separating portfolio management from balance sheet concerns during downturns. He shares strategies for building a cash buffer before retirement and emphasizes the value of global diversification. Consistency in investment strategies is key, as is resilience in the face of market volatility.
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ADVICE

Run Portfolio Fire Drills

  • Set investing expectations during calm markets to better handle volatility.
  • Run "fire drills" for your portfolio when markets are stable, not during crashes.
ADVICE

Adjust Portfolio for Comfort

  • Adjust your portfolio allocation modestly if it helps your emotional comfort during market downturns.
  • Document reasons for changes to maintain clarity and avoid regret on future decisions.
ANECDOTE

Peter's Personal Investing Hesitation

  • Peter Lazaroff shares a personal investing behavior anecdote about delaying investment of his health savings account during market volatility.
  • He admits to human hesitation despite professional knowledge and plans to invest his HSA funds shortly after the recording.
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