Here’s what we discuss in this episode:
📊 Wrong Benchmark: S&P 500 isn’t always the right comparison
⚖️ Consistency Matters: Stable returns beat big swings in retirement
⏳ 1-Year Noise: Short-term performance can mislead
⚠️ True Red Flags: Long-term lag + no adjustments
📉 Risk Alignment: Returns must match your comfort level
It’s a question a lot of people ask at some point: if your investments aren’t keeping up with “the market,” is it time to move on? Ryan breaks down what you’re actually comparing against, why that comparison can be misleading, and what really matters when evaluating performance. The right benchmark isn’t the market, it’s your plan.
Go Inside the Episode
00:00 – Intro
0:31 – Returns Matter?
1:26 – Listener Question
1:41 – What’s “The Market”?
3:40 – Your Phase of Life Matters
5:25 – 1-Year Performance Trap
7:25 – Real Red Flags
10:03 – Risk & Fit
11:36 – Work with Ryan