BiggerPockets Money Podcast

The “Silver Lining” for Investors After a Historic Week for Stocks| Life After FIRE

Apr 16, 2025

Emma von Weise, a Certified Financial Planner, shares her insights on market volatility after a tumultuous week for stocks. She discusses strategies for retirees and those in the FIRE community, emphasizing the importance of having a solid investment plan. Emma explains how cash distributions can protect investments and prevent panic selling. Additionally, she breaks down the rising bond yields and introduces practical tax strategies for managing capital gains during downturns. Tune in for actionable advice to navigate these uncertain financial waters!

36:27

Episode guests

Emma von Weise

AI Summary

AI Chapters

Episode notes

Podcast summary created with Snipd AI

Quick takeaways

Maintaining a cash reserve covering at least two years of expenses is crucial for retirees to withstand market downturns without selling at a loss.

Creating a comprehensive investment policy statement helps investors navigate volatility by providing a structured approach to decision-making and risk management.

Deep dives

Understanding Market Volatility

The recent fluctuations in the stock market highlight the inherent volatility of investing. Experts acknowledge that market conditions can fluctuate rapidly, often influenced by external factors such as policy changes or economic forecasts. For example, recent news about tariff pauses caused significant price spikes, illustrating how unpredictable market movements can be. Investors are encouraged to adopt a long-term perspective, recognizing that short-term volatility should not dictate their strategies.

Intro

2min

Navigating Market Volatility

8min

Navigating Market Volatility with a Long-term Investment Mindset

6min

Navigating Market Turmoil

5min

Mastering Investment Strategies

13min

Navigating Market Downturns: Insights and Reassurances for Investors

3min

We’re coming off one of the wildest weeks in stock market history. How are retirees reacting to these massive swings? How should you adjust your FIRE portfolio in case there are even more turbulent times ahead? We’re chatting with someone who’s in the loop!

Welcome back to the BiggerPockets Money podcast! Today, Emma von Weise, certified financial planner (CFP), returns to the show to give her perspective on the recent stock market volatility. She’ll share what her clients are doing and the course of action she recommends for those who are worried about their nest egg crumbling.

Times like these prove you need an investment plan. If you don’t already have one, Emma will show you how to create it. You’ll also learn how a few years of cash distributions can help you protect your investments and keep you from selling stocks at a loss. Are bonds actually a “safe haven” for investors? We’ll make sense of rising yields and, finally, share a tax strategy YOU can take advantage of during a stock market slide to trim your taxable income!

In This Episode We Cover

How to adjust your FIRE portfolio after recent stock market volatility

How cash distributions protect retirees from selling stocks low in a downturn

Why you need to create an investment plan today (if you don’t have one!)

How to balance “growth” and “safety” in your investment portfolio

Why bond yields have spiked after a huge sell-off (and whether you should buy)

Offsetting capital gains from stocks through tax-loss harvesting

And So Much More!

Links from the Show

Mindy on BiggerPockets

Scott on BiggerPockets

Listen to All Your Favorite BiggerPockets Podcasts in One Place