Insights

"Is now a good time to invest?" It's one of the most common questions we hear, and it almost always surfaces when markets are hitting new highs. But history tells a different story than fear suggests. Research consistently shows that market timing requires getting two decisions right (when to get out and when to get back in), and missing even a handful of the market's best days can significantly derail long-term outcomes. The better question isn't about finding the perfect moment — it's about having the discipline to stay invested, trust the process, and let time do the heavy lifting.

Market efficiency can sound like jargon, but it describes a simple idea: market prices reflect the information available at the time. In this month’s Insight, we’re sharing a short episode of The Informed Investor that explains why this perspective can help investors stay disciplined and focused on the long term.

In uncertain markets, optimism can feel misplaced. But history suggests progress is built through connection - people, ideas, and systems working together over time. This post links Jim’s “Optimism” newsletter with Matt Ridley’s “collective brain” to show why a disciplined, long-term approach can help investors stay grounded through change.

When markets feel uncertain, the most valuable tool is a plan you can stick with. An Investment Policy Statement (IPS) provides structure for how your portfolio is built, managed, and adjusted, so decisions aren’t driven by emotion or headlines. It keeps your strategy aligned with your goals and improves the odds of long-term success.

Homeowners insurance premiums are rising fast nationwide, driven by natural disasters and higher reinsurance costs. Discover how these increases impact your mortgage and why planning for higher insurance expenses matters for every homeowner.

Warren Buffett is retiring as CEO of Berkshire Hathaway after 60 years of leadership. Known for his long-term approach, Buffett’s strategies have helped many investors build steady wealth. Explore his most valuable investing tips and how you can apply them for long-term growth.