What should you do now? Don’t panic.

Presented by: David Loesch
Registered Representative Principal/ OSJ

Duration: 3:25

Recorded: April 11, 2025

Transcript:

So as an investor, how do you understand this moment? We just spoke about tariffs. What what should you do now? What what really should be going on in your head because of the fact that you’re looking at pretty much all your securities, whether you own bond stocks or whatever. Everything is getting hammered out there. So what should she do now?

What’s your time horizon? What are you looking at? What kind of credit qualities do you really wanna buy? And, really, what’s the long duration of what twenty years, twenty five years, fifteen, five years, whatever it might be.

If you’re concerned about inflation, maybe stay short to the five year paper. We can accommodate that. If you wanna go longer and lock in these yields, you can obviously go twenty, twenty five years. But I don’t wanna really focus on that.

What should you do now? Don’t panic. I mean, you know, you look at what’s going on at the moment and you look at what’s going on in the marketplace.

You know, Trump is really trying to, do something with from a tariff standpoint as we discussed earlier. But, you know, don’t look at your portfolio and go, oh my gosh. This thing’s going to zero. If you own high grade, municipal bonds are certainly not going to zero because that’s usually the last man standing. And we traded through two thousand eight, nine, and two thousand and ten. And, you know, buying high grade munis paid off huge as we came out of two thousand and nine going into two thousand and ten. I’m not suggesting that’s gonna happen now, but what I do say is that over the thirty plus years I’ve been trading muni bonds, we’ve seen muni bonds pay off in times like this because you definitely want a flight to safety.

I’m not suggesting that’s good for you. Maybe it’s good, maybe it’s not. But at the fact of the matter is I’m coming back to what should you do now. Don’t panic.

Talk to your adviser. Talk to us. Talk to whomever you’re dealing with and just say, hey. Give me some feedback.

You know? Walk me off the ledge. Give me some comfort. Whatever you wanna talk about to your adviser, it’s really important to do so.

And and if you own municipal bonds, if you want a second opinion, if you’re looking at your portfolio, whether it’s at Vanguard or Schwab or wherever, it doesn’t make any difference. We’re happy to help. We’re not gonna pressure anything from an account opening standpoint, but, again, we’ve been doing this for over three decades, and we’ve traded through this mess before.

Lastly, I’ll say what you should do now is look at maybe look at your time horizon. Look at what kind of cash available you have and go into the marketplace and selectively buy. And we call those opportunistic purchases. So if you’re looking at opportunistic purchases, don’t blow the whole lot in the market right now.

Maybe what we call leg in. If you’ve got a hundred thousand, maybe by twenty five bonds. If you’ve got a million, maybe by two fifty. So, you know, leg in and start to look at what’s going on out there in the marketplace.

I think over time, you’ll be very happy with the yields that you’re purchasing now. This will get solved just like everything else will, and I keep coming back to o eight, o nine, and ten. You know, muni bonds held their value within reason, but they were the last man standing, which means that they are owned by, obviously, people like yourselves. They’re owned by pension funds.

They’re owned by large corporations, and they’re owned by banks as well. So we’re seeing those buyers, all of those buyers come in because of the yields that are being produced now. Sit tight. Don’t panic.

Talk to your adviser. Talk to us. Get a second opinion. Make sure that everything is running smoothly.

We’re happy to help. We’re happy to give you honest and and and good feedback on what you’ve got and how we can help.