Reset Your Portfolio Expectations (Before It’s Too Late) (EP.217)

Aug 13, 2025

Jesse Cramer, host of The Best Interest Podcast, discusses key insights on investor behavior, volatility, and the importance of long-term planning. He emphasizes that market fluctuations are normal and shouldn't derail your strategy. Listeners learn to assess their portfolios during downturns and the value of global diversification. Cramer also highlights how emotional narratives can cloud financial decision-making, guiding investors to focus on substantive, long-term goals instead.

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INSIGHT

Volatility Is A Feature Not A Bug

Volatility is a normal and frequent feature of markets, not an exception to be feared.
Investors should assume 10–20% drops regularly and plan around that historical frequency.

ANECDOTE

CIO's Own Imperfect Execution

Peter redirected his entire paycheck into his 401(k) during the downturn as a personal, rule-based response.
He admitted delaying his HSA investment due to a human hesitation despite his usual systems.

ADVICE

Speed Fund During Dips

When markets drop, continue regular contributions and follow your predetermined plan instead of timing moves.
Use automated, rule-based funding (like paycheck to 401k) to avoid emotional delays investing cash.

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Recently, I joined Jesse Cramer on The Best Interest Podcast for a conversation on volatility, investor behavior, and how to avoid overreacting to headlines. We unpack why market noise can distort long-term plans and what to do when your risk tolerance feels misaligned with your portfolio.

Listen now to learn:

► Why volatility is a feature—not a bug—of long-term investing ► What to do if market drops reveal your portfolio isn’t right for you ► How global diversification helps even when it feels like a drag ► How narratives—not just numbers—drive poor investing decisions

Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

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Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com).