Market Recap & Outlook with Ernesto De La Torre | The Matter Financial Report Ep. 4 скачать в хорошем качестве

Market Recap & Outlook with Ernesto De La Torre | The Matter Financial Report Ep. 4

In this episode of The Matter Financial Report, Michael Matter is joined by special guest Ernesto De La Torre, Investment Consultant at Gradient Investments, for a market recap and forward-looking outlook. Together, they break down what drove market performance in 2025, why volatility is a normal part of investing, and what investors can realistically expect heading into 2026. Michael and Ernesto discuss the dangers of DIY investing and emotional decision-making, the power of dollar-cost averaging, and why having professional guidance may impact long-term outcomes. They also explore Gradient Investments’ actively managed portfolios, buffered strategies, and how tailored investment solutions help align portfolios with individual risk tolerance and retirement goals. If you’re wondering how to navigate market volatility, prepare for retirement, or ensure your investments truly match your risk profile, this episode offers valuable insights you won’t want to miss. Timestamps 00:01 – Show introduction and welcome 00:24 – Introducing guest Ernesto De La Torre from Gradient Investments 01:09 – Why Gradient Investments is a key partner for Matter Financial Group 02:22 – Direct access to portfolio managers and why it matters 03:08 – How Gradient differs from large financial institutions 04:00 – Customized portfolios vs. cookie-cutter investing 05:20 – The risks of DIY investing and emotional decision-making 06:28 – Average investor returns vs. market returns explained 07:45 – Why professional advice often pays for itself 09:29 – Market corrections, volatility, and time in the market 11:15 – Understanding intrayear market drops and annual returns 11:41 – Dollar-cost averaging and retirement investing basics 13:16 – Accumulation vs. retirement income planning 15:14 – End-of-year outlook and transition to 2026 15:56 – Gradient Investments’ market forecast and fundamentals 17:36 – Modest expectations and managing risk realistically 18:22 – Investment options for different risk tolerances 19:40 – Buffered strategies and downside protection 21:06 – Historical odds of positive market returns 22:23 – Long-term compounding and staying invested 24:10 – Learning from past downturns like 2008 and 2022 26:01 – Morningstar reports and aligning risk with investments 27:16 – Closing thoughts and holiday wishes 📞 Have questions? Need advice? Contact Michael Matter at The Matter Financial Group to schedule a consultation today! 👉 Call us at (916) 469-9016 👉 Visit us at https://thematterfinancialgroup.com/ Don't forget to subscribe to our YouTube channel for more financial tips and insights! #TheMatterFinancialGroup #Finance #Sacramento #financialprofessionals Michael Matter offers investment advisory services through Gradient Advisors, LLC, an SEC-registered investment advisor. Gradient Advisors and its advisors do not provide tax, legal or accounting advice. Insurance is offered through Michael Matter, independent agent. Not affiliated with or endorsed by the Social Security Administration or any government agency. Content is general and not to be considered a solicitation or personalized advice. Content also is not a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state(s) Michael Matter is registered or where otherwise legally permitted. Do not post reviews or testimonials. Likes should not be considered an endorsement of the investment advisory services offered by Michael Matter and/or Gradient Advisors, LLC. This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC. Endorsing investment advisor is also a client of Gradient Investments, LLC.