Encouragement

More and more, each of us needs to take a greater hand in our investment lives. 

This is especially true of investing for retirement.  With the steady decline in defined pension plans, most of us have to take responsibility for managing our retirement funds.

The mission of the Constancy Investors website is to help you help yourself along this critical journey.  The website embodies this mission—openly providing you with the understanding and tools you need to invest successfully.  Step-by-step and in plain, jargon-free language.  The Learn tab of the website helps fill the educational and informative role, with its two sections, Time Frame and Mindset and Exercising Common Sense.  In the Plan tab, I provide planning tools to help you formulate a common sense investment plan, on your own or with an adviser.  You should tailor this plan to your specific circumstances and varying investment goals, retirement most importantly.  In the Invest tab, I present the Constancy Model Portfolios and specific funds with which you can build them in order to systematically implement your plan—to eliminate guesswork and maximize the likelihood of successful outcomes.

This Encouragement tab is all about helping you stay the course, once you have implemented an investment plan.

  • The Your Temperament, Your Plan tab is a personalized repository for your Constancy stuff.  If you’ve created a login for the site, you can always see here the results of your Investor Temperament Questionnaire.
  • The Constancy Community is a forum open to all to express how they’re feeling about the financial markets.  I will offer statistical observations to help put concerns into a long-term perspective.  Studies indicate that investors are much better able to weather market downturns and stick with a plan when they are able to air and share their anxieties.
  • Current Considerations for the Constant Investor is a library of videos and other materials with my and other expert perspectives on enduring features of today’s financial environment and insights on long-term investing truths.

A special note of encouragement for the small investor

If you have found your way to the Constancy Investors website, you likely have been looking to gather information about how best to go about investing.

You may be just starting out.  Or perhaps past experience has made you feel a need to understand better the key principles of successful investing yourself.  You may very likely have found us out of necessity.  Because financial advisers typically base their fee on a percentage of a client’s assets and advising a small account requires almost as much effort as a large account, the small investor is often overlooked and under-served.  So you may have no choice but to come up with an investment plan on your own.

Whatever your motivations, we applaud and encourage your initiative.  With greater understanding, you will feel more comfortable and in control.

To begin, you should know that you are not alone.  In the United States, there is over $8 trillion dollars in Individual Retirement Accounts (IRAs), but spread out in nearly 100 million accounts.  So, the average account size is just over $80,000.  The median account size is around $21,000, which means about 50 million accounts are of this size or smaller!

You are also not alone, because we are here to help.  As noted above, the first objective of our website is to help you help yourself.  To provide you with everything you might need—everything that a good financial advisor would provide—to invest successfully.

In all of this, simplicity is a guiding principle. 

For the more seasoned investor, we hope our common-sense perspectives are also of great value, as they often challenge poor practices that unfortunately arise from time to time in the investment industry.