Wednesday, March 22, 2023
Chuck Marunde, J.D., Broker/Owner 360-775-5424


iRealty Virtual Brokers


Broker/Consultant

Washington State

SUBSCRIBE
  • Home
  • Search MLS
    • Sequim MLS
    • Sequim MLS Map Search
    • Port Angeles MLS
    • Port Townsend MLS
    • San Juan Islands MLS
    • All Islands MLS
    • How to Search the Sequim MLS
  • Videos
    • Sequim Videos Q&A
    • Buyer Videos Part 1
    • Buyer Videos Part 2
    • Buyer Videos Part 3
    • Buyer Videos Part 4
    • Living in Sequim Video Channel
  • Books
    The Coming Real Estate Crash

    The Coming Real Estate Crash

    The Sequim Real Estate Trilogy

    The Sequim Real Estate Trilogy

    Sequim Real Estate Videos for Buyers: The Ultimate Video Guide for Sequim Washington

    Sequim Real Estate Videos for Buyers: The Ultimate Video Guide for Sequim Washington

    Escaping California to the San Juan Islands

    Escaping California to the San Juan Islands

    Get Healthy

    Get Healthy: Increase Natural Immunities, Cellular Energy, Deep Sleep & Decrease Blood Pressure

    Manage Your Energy

    Manage Your Energy Not Your Time

    Real Estate Brokerage From Bricks and Mortar to High Tech Virtuality

    Real Estate Brokerage From Bricks and Mortar to High Tech Virtuality

    7 Myths of Selling Your Home

    7 Myths of Selling Your Home

    Buying Your Retirement Home

    Buying Your Retirement Home

    The New World of Marketing for Real Estate Agents

    The New World of Marketing for Real Estate Agents

    Sequim Real Estate For Buyers: Free eBook Updates Forever

    Sequim Real Estate For Buyers: Free eBook Updates Forever

    24 Secrets of Buying a Country Home

    24 Secrets of Buying a Country Home

    Sequim Real Estate: A Buyer’s Guide

    Sequim Real Estate: A Buyer’s Guide

    Living Off The Grid iin Alaska

    Living Off The Grid in Alaska

    Buying and Selling Real Estate

    Buying and Selling Real Estate

    Trending Tags

      • Sequim Real Estate for Buyers (Free eBook Updates Forever)
      • Sequim Real Estate: A Buyer’s Guide (Paperback)
      • Escaping California to The San Juan Islands
      • Buying & Selling Real Estate in The Rain Shadow
      • Real Estate From Bricks & Mortar to High Tech Virtuality
      • The Seven Myths of Selling Your Home
      • Buying Your Retirement Home
      • The New World of Marketing for Real Estate Agents
    • Agents
      Marunde Google

      Chuck Marunde on Google

      Flat Fee Listing Broker

      Flat Fee Listing Broker

      Buyers Agent Chuck Marunde

      Buyer’s Agent Chuck Marunde

      Trending Tags

        • Buyers Agent Chuck Marunde
        • Flat Fee Listing Broker
        • Google Profile & Leave Reviews
      Tetralogy
      No Result
      View All Result
      • Login
      • Register
      • Home
      • Search MLS
        • Sequim MLS
        • Sequim MLS Map Search
        • Port Angeles MLS
        • Port Townsend MLS
        • San Juan Islands MLS
        • All Islands MLS
        • How to Search the Sequim MLS
      • Videos
        • Sequim Videos Q&A
        • Buyer Videos Part 1
        • Buyer Videos Part 2
        • Buyer Videos Part 3
        • Buyer Videos Part 4
        • Living in Sequim Video Channel
      • Books
        The Coming Real Estate Crash

        The Coming Real Estate Crash

        The Sequim Real Estate Trilogy

        The Sequim Real Estate Trilogy

        Sequim Real Estate Videos for Buyers: The Ultimate Video Guide for Sequim Washington

        Sequim Real Estate Videos for Buyers: The Ultimate Video Guide for Sequim Washington

        Escaping California to the San Juan Islands

        Escaping California to the San Juan Islands

        Get Healthy

        Get Healthy: Increase Natural Immunities, Cellular Energy, Deep Sleep & Decrease Blood Pressure

        Manage Your Energy

        Manage Your Energy Not Your Time

        Real Estate Brokerage From Bricks and Mortar to High Tech Virtuality

        Real Estate Brokerage From Bricks and Mortar to High Tech Virtuality

        7 Myths of Selling Your Home

        7 Myths of Selling Your Home

        Buying Your Retirement Home

        Buying Your Retirement Home

        The New World of Marketing for Real Estate Agents

        The New World of Marketing for Real Estate Agents

        Sequim Real Estate For Buyers: Free eBook Updates Forever

        Sequim Real Estate For Buyers: Free eBook Updates Forever

        24 Secrets of Buying a Country Home

        24 Secrets of Buying a Country Home

        Sequim Real Estate: A Buyer’s Guide

        Sequim Real Estate: A Buyer’s Guide

        Living Off The Grid iin Alaska

        Living Off The Grid in Alaska

        Buying and Selling Real Estate

        Buying and Selling Real Estate

        Trending Tags

          • Sequim Real Estate for Buyers (Free eBook Updates Forever)
          • Sequim Real Estate: A Buyer’s Guide (Paperback)
          • Escaping California to The San Juan Islands
          • Buying & Selling Real Estate in The Rain Shadow
          • Real Estate From Bricks & Mortar to High Tech Virtuality
          • The Seven Myths of Selling Your Home
          • Buying Your Retirement Home
          • The New World of Marketing for Real Estate Agents
        • Agents
          Marunde Google

          Chuck Marunde on Google

          Flat Fee Listing Broker

          Flat Fee Listing Broker

          Buyers Agent Chuck Marunde

          Buyer’s Agent Chuck Marunde

          Trending Tags

            • Buyers Agent Chuck Marunde
            • Flat Fee Listing Broker
            • Google Profile & Leave Reviews
          No Result
          View All Result
          iRealty Virtual Brokers
          No Result
          View All Result
          Home Buying Real Estate in Port Angeles and Sequim

          Stock Market Volatility Dangerous

          Chuck Marunde by Chuck Marunde
          September 6, 2019
          Reading Time: 4 mins read
          0 0
          0

          This stock market volatility is scaring a lot of people, including fund managers. When the Dow is up and down over 400 points on consecutive days, it’s not a good sign for the weeks ahead. The Dow is down already 1,900 points in the first two weeks of 2016. Not a great start for the year. If you have a large retirement account invested in the stock market, riding a market roller coaster is a very uncomfortable feeling. This has already impacted how some people near retirement are thinking about the timing of buying their retirement home, and how much of a retirement home they can afford.

          Stock Market Volatility

          Stock Market Volatility History

          If you look at the history of the stock market, substantial moves are often preceded by stock market volatility over a period of weeks, but even this is not a guaranteed indicator of a market decline. So what is a person to do in the uncertainty?

          We are watching oil prices drop to surprising levels, and this has big implications for International markets. The reason Al Jazeera just went out of business in the U.S. a few days ago is because oil prices dropped, and the owner, which is the country of Qatari, cannot afford to subsidize Al Jazeera anymore. The drop in oil prices is causing middle east countries to liquidate sovereign wealth funds, and that means billions of dollars in selling on International markets. Add to that the declining China market, the struggling Japan economy, the unstable middle east, the grave uncertainty in the U.S. economy (and political scene), and people are understandably nervous.

          Here’s my pet peeve. In every market decline (if we have one, and I’m not saying we will), Registered Investment Advisers and Fund Managers all say the same thing, “Now is not a time to sell. We always tell our clients that they should invest for the long term. If you look at markets over a 50 year to 80 year time period, stocks go up. In fact, we are advising our clients to buy on the dips. Dollar cost averaging is the key to a long term strategy.” If you’re planning to retire in a couple of years, this kind of advise for the next 80 years is not reassuring. 

          Stock Market Volatility and Advisers

          Many investment advisers have been saying in the past few days that they expect the market to decline “some more,” so many are admitting they see a decline coming. Despite this, why would they not recommend that you liquidate some of your account? If most advisers told their clients to liquidate some or all of their stock holdings, the markets would crash, and we can’t have that, can we? I suspect many investment brokerages prohibit their advisers from advising clients to liquidate, because of the market chaos that could create. Here’s the problem with that. You personally get sacrificed for the sake of the market as a whole! Even if your adviser believes it would be in your best interest to liquidate some or all of your account because he sees stock market volatility as a sign of a major decline coming, he will not tell you. So you are sacrificed for the sake of the many. 

          In past market declines I have heard from people who watched their retirement accounts lose 30% or 50% or even 70% in one case. All the way down their advisers kept saying don’t sell. That’s easy for them, because fund managers get paid 1.25% of all funds under management, so they make money no matter what, as long as you don’t pull your money out of the market. Of course, selling would incur taxes and penalties for you, and that’s a big concern. But for all those clients who lost 50% of their retirement account in a market decline, how many would have gladly paid the taxes and penalties and still have been way ahead?

          Stock market volatility is a warning sign. Of what . . . remains to be seen, but it is a red flag, and ought to cause everyone who has a lot of money in the stock market to pause and seriously think about where their money is safe. I would be cautious about taking advise from a man or woman (or who has a fund manager) who makes money based on “funds under management.” They have no motivation to see you liquidate, and every motivation to see you stay in the market even if you lose your life’s savings. I agree with them when they say that you should not panic. On the other hand, if panic means saving you hundreds of thousands of dollars in a declining market, maybe a little panic thinking can motivate a person to do something that turns out right.

          Is liquidating some of your retirement account and investing it in a retirement home a good idea? I’ll leave that up to you, but this is a valid question for your perusal. At the least, stock market volatility should make you rethink what your adviser is telling you to do.

          Disclaimer: This is not a recommendation to either sell or buy stocks, bond, or any other investment. Talk to your expert for advise. While I was an attorney and Registered Investment Adviser at one time, I am not an adviser now, nor do I give investment advise. But stock market volatility of this kind can make anyone nervous.

          Last Updated on September 6, 2019 by Chuck Marunde

          Tags: Stock Market
          ShareTweet
          Chuck Marunde

          Chuck Marunde

          Chuck grew up in remote Alaska, graduated from the University of Alaska with a degree in Economics and Teacher Certification, and after teaching high school for two years, went to law school at Gonzaga University in Spokane, Washington. He served four years as a Captain and JAG in the USAF at Nellis AFB in Las Vegas. After practicing real estate law for 20 years in Washington, Chuck founded iRealty Virtual Brokers covering Sequim and the beautiful Olympic Peninsula. He is the author of 2,200 real estate articles and a dozen real estate books, and he produced over 100 real estate videos. Chuck combined his love for real estate and technology to create a massive Internet presence, and his articles and videos and books have been viewed by millions. Chuck is a well recognized real estate expert and his counsel is sought by other brokers and practicing attorneys around the country. Buyers from New York to Hawaii and from Florida to Alaska seek him out to retain him as their buyer's agent, and home owners around the State of Washington seek him out because of his new Flat Fee Listing Service. 

          Related Posts

          Seattle Real Estate Market in Decline
          Sequim Market Reports

          Seattle Real Estate Market in Dramatic Decline

          December 22, 2022
          47
          Sequim homes
          Sequim Home Sales Report

          Sequim Homes Sold Recently

          October 22, 2022
          212
          Whats going on in the real estate market?
          Seattle Housing Prices

          What’s Going On With the Real Estate Market?

          October 5, 2022
          46
          Real Estate Market Declining
          Sequim Market Reports

          Real Estate Bubble Popped

          August 3, 2022
          80
          Sequim Real Estate Market Turns Down
          Sequim Market Reports

          Sequim Real Estate Market Turns Down

          July 13, 2022
          46
          Sequim Real Estate Market
          Buyer's Agent

          Sequim Real Estate Market

          August 23, 2020
          10
          Next Post
          Email Alerts

          Listing Email Alerts

          Multiple Offers

          Multiple Offers on the Same Day

          Leave a Reply Cancel reply

          Your email address will not be published. Required fields are marked *

          I agree to the Terms & Conditions and Privacy Policy.

          This site uses Akismet to reduce spam. Learn how your comment data is processed.

          "I wish I read this before selling my
          home. I could have saved $50,000." Andy 

          Search 2,200 Articles by Category

          • Trending
          • Comments
          • Latest
          Buyer and Seller

          What if a Buyer and Seller Talk to Each Other?

          August 5, 2022
          Prorate Propane

          How to Prorate Propane at Closing

          August 15, 2015
          Terminate a real estate contract

          How to Terminate a Real Estate Contract

          December 31, 2020

          The Sequim Blue Hole – A Map of Rainfall

          September 1, 2019
          print newspapers

          Print Newspapers Losing Readers to the Internet

          42
          Buyer and Seller

          What if a Buyer and Seller Talk to Each Other?

          32
          FNMA Killing Transactions by Requiring Private Road Maintenance Agreements

          FNMA Killing Transactions by Requiring Private Road Maintenance Agreements

          31

          What Documents Does a Buyer Need to Buy Real Estate?

          24
          Sequim Real Estate Maps and Docs

          Sequim Real Estate Maps and Documents

          February 6, 2023
          Flat Fee Listing Service

          Sellers Chase the Market Down Once Again (UPDATED)

          March 22, 2023
          Sequim real estate market

          Sequim Real Estate Market: Annual Review for 2022

          February 3, 2023
          Seattle Real Estate Market in Decline

          Seattle Real Estate Market in Dramatic Decline

          December 22, 2022

          Subscribe to Chuck 
          Marunde's Newsletter

          Popular Stories

          • Buyer and Seller

            What if a Buyer and Seller Talk to Each Other?

            0 shares
            Share 0 Tweet 0
          • How to Prorate Propane at Closing

            0 shares
            Share 0 Tweet 0
          • How to Terminate a Real Estate Contract

            0 shares
            Share 0 Tweet 0
          • The Sequim Blue Hole – A Map of Rainfall

            0 shares
            Share 0 Tweet 0
          • Dangers of Buying a Fannie Mae Foreclosure Through Homepath

            0 shares
            Share 0 Tweet 0

          Leaving Comments   I hope you’ll join our community and leave comments from time to time. Please realize that comments, if approved, will be public, so do not use any personal information you don’t want broadcast to the world, and definitely don’t leave a phone number. Comments are not the place to ask Chuck Marunde for help in finding a home. To do that, call or text Chuck.

          Neither Chuck Marunde nor iRealty Virtual Brokers offers legal advice on this site. Please Read Our Legal Disclaimer

          If you’d like to view how we protect your privacy, see our Privacy Policy.

          iRealty Virtual Brokers

          iRealty Virtual Brokers reaches out to buyers around the United States with thousands of online articles, MLS sites, apps, real estate books, videos, and much more specifically to help buyers find all the answers to their questions. We also now offer a flat fee commission listing service that saves sellers tens of thousands of dollars.

          iRealty Virtual Brokers
          125 Olympic Ranch Ln
          Sequim, Washington 98382
          360-775-5424

          Search the entire NWMLS in Washington State:

          Sequim-Homes.com

          The largest independent real estate blog in the State of Washington with over 2,200 articles totally focused on our client’s best interest, their needs and their curiosity. All free and 100% reliable. I’m here if you need me, 

          © 2006-2022 iRealty Virtual Brokers and Chuck Marunde

          No Result
          View All Result
          • Home
          • Search MLS
            • Sequim MLS
            • Sequim MLS Map Search
            • Port Angeles MLS
            • Port Townsend MLS
            • San Juan Islands MLS
            • All Islands MLS
            • How to Search the Sequim MLS
          • Videos
            • Sequim Videos Q&A
            • Buyer Videos Part 1
            • Buyer Videos Part 2
            • Buyer Videos Part 3
            • Buyer Videos Part 4
            • Living in Sequim Video Channel
          • Books
            • Sequim Real Estate for Buyers (Free eBook Updates Forever)
            • Sequim Real Estate: A Buyer’s Guide (Paperback)
            • Escaping California to The San Juan Islands
            • Buying & Selling Real Estate in The Rain Shadow
            • Real Estate From Bricks & Mortar to High Tech Virtuality
            • The Seven Myths of Selling Your Home
            • Buying Your Retirement Home
            • The New World of Marketing for Real Estate Agents
          • Agents
            • Buyers Agent Chuck Marunde
            • Flat Fee Listing Broker
            • Google Profile & Leave Reviews
          • Login
          • Sign Up

          © 2006-2022 iRealty Virtual Brokers and Chuck Marunde

          Welcome Back!

          Login to your account below

          Forgotten Password? Sign Up

          Create New Account!

          Fill the forms bellow to register

          *By registering into our website, you agree to the Terms & Conditions and Privacy Policy.
          All fields are required. Log In

          Retrieve your password

          Please enter your username or email address to reset your password.

          Log In
          This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy and Cookie Policy.