Latest Newsletter:

Update March 16 2025

 

Damn, it keeps going down!

 

Recent weeks have brought pain and suffering to both investors and their portfolios. By how much depends on what time frame one looks at and what indexes.

It’s safe to say the latest statements from your advisor or brokerage firm for most investors may have been pretty ugly.

The whole mess started right around February month-end and continued almost without respite for two solid weeks. We had a little bit of encouragement Friday the 14th, but we have to see whether that holds or if back down we go.

Continuing inflation expectations along with new tariffs and the threats of more have dampened investor enthusiasm.

Many investors may have seen their balances fall more than they have in a long time. To put it mildly, the selloff has been relentless.

There were very few bright spots. Gold held its own and is pressing up against new highs but Bitcoin didn’t fare so well. Even bonds got hit, which makes this recent sell off a bit rarer than most.

Whereas the run of the mill stock correction usually leads to bonds rising in price, when the bloodletting bleeds over to the bond market and bonds fall in concert with stocks, it means it’s getting more serious.

When market routs cause you to wring your hands and furl your brow as you see balances drop, remember that markets never go up in a straight line. It’s more like a stair step pattern with an occasional steep drop here and there.

The question becomes WILL it stop or will it go down forever. Although going down forever in reality seems a pretty foolish prognostication, the mind wanders that when you see hard earned money evaporate.

The evening news anchor and your financial advisor will offer up a calming voice and reminders that markets always come back. But that can be little comfort as money evaporates day after day.

Advisors are not allowed to say what markets will do nor offer any guarantees of any sort outside of FDIC insured products. But even FDIC insured products like bank accounts and Certificates of Deposits are guaranteed by a Federal Government entity and not the advisor.

Advisors offering any guarantees on market direction may be in violation of regulations that prohibit such statements. But in a weird way there seems to be an exception.

In my half century or so of being in the business, I have heard probably thousands of statements by licensed professionals everywhere that the markets always come back. Regardless of the exact words used, the inference, or should I say the insistence is, that markets will always continue to rise and surpass previous highs given enough time.

Although the regulations are clear that offering any guarantee or even stating the markets “always” comes back is an implied guarantee by using the word “always”, this seems to be an exception. Simply put, the idea that the market always comes back and stating that draws no ire from authorities that I can see.

I think the idea and the permissions to say such a thing comes from the historical fact that if one looks back at the history of the Dow Jones Industrial Average and indeed, all the other stock markets like the NASDAQ, the S&P 500, the Russell and all the other exchanges, they are indeed higher than they were at inception, no matter what that inception date may be.

It is an historical fact that the markets HAVE always come back. But “HAVE come back” does not technically allow us to say “WILL come back”. Remember “past performance is no guarantee of future results”.

Sure, I am splitting hairs here, but it’s odd how licensed financial professionals and even the news outlets are allowed to say such a thing that is obviously an implied guarantee and prognostication that is in direct violation of any regulation that prohibit such statements.

That said and using the reasonable man theory, which means lets be reasonable here Marc, historically the markets, at least OUR stock markets, have always come back and gone higher over time.

What is also important however is how LONG it might take to do so.

Consider that most markets did not recover fully from the 1929 stock market crash for close to a decade, and it took 15 years for the NASDAQ to recover from the DOT.COM 2001 crash. I know they say for us to hold for the long term, but I really don’t know how much LONG I have left in my TERM.

In conclusion, we never really know what lies ahead in the stock market. No one does. The market COULD recover tomorrow, next year, in ten years or even never recover.

After all, anything is possible right?

That said, it’s best to plan for all possibilities and never rule anything out. But the way I see it, the markets will eventually get it together and start to rise again.

How long that takes however, is another thing all together.

 “Watching the markets so you don’t have to”    

(end)    

(As mentioned please use the below disclaimer exactly) THANKS   (Regulations)    

This article expresses the opinion of Marc Cuniberti and is not meant as investment advice, or a recommendation to buy or sell any securities, nor represents the opinion of any bank, investment firm or RIA, nor this media outlet, its staff, members or underwriters. Mr. Cuniberti holds a B.A. in Economics with honors, 1979, and California Insurance License #0L34249 His insurance agency is BAP INC. insurance services.  Email: news@moneymanagementradio.com

 

Markets got you down?
Call me  (530) 559 1214

 


 

Welcome

What we do:

Marc is an experienced economic professional. For financial services click here: https://www.vantageauburn.com/marc-s-services

Moneymanagementradio.com offers contact information to speak with Marc one on one and learn about what we offer so keep reading!

Marc Cuniberti, award winning host of Money Matters and Money Management Radio, welcomes you to his updated website. Money Matters articles grace the pages of many newspapers and financial media. On this website, you can download any of his radio shows by subscribing on any website page. Sign up for his newsletter or learn about his opinions about the economic world around you by clicking around the site. Of course, the radio shows are the main reason the site is here, so look through the SHOW TITLES page to hear a variety of topics,one or more are certain to peek your interest and perhaps find a show(s) that apply to your particular interest or question. 

Download programs and listen at your convenience to his uncanny ability to forecast what's happening in the world and thier economies.

Just listen to the shows!

Marc has a unique ability to explain in the simplest of terms what's really going on in our markets and what everything means in language even the novice can understand. Don't be in dark any longer about investing, those stock market terms, or what it all means. Learn about money and you will be well on your way to improving your education about the world of money around you.

His shows are said to be addictive and once you hear one, you won't be able to stop listening. Although incredibly entertaining, riveting and even humorous, the real advantage to his analysis and commentary is that it MAKES SENSE!

Listen to a show and see what we mean. Economics and your money finally have a friend that can help you understand what's really going on around us.

 A limited amount of shows are now available and this website is now at no cost by simply signing up!

Sign up for this no cost website now. By signing up you can download all the shows you want, have access to all our material and keep up with the markets and the economic world around you.Like many others, you will hear why “Money Matters” by Marc Cuniberti is the fastest growing economic show on radio.

   

Services

There are many financial products in the market, and choosing the ones that best meet an individual client’s needs can be complicated.  Informed decisions about the products in any portfolio are best made after an assessment of individual needs.  Speak with Marc directly. It is that easy. 

Marc Cuniberti (530)559-1214

 

Market Analyst and Commentator

Small Business Consultant and Mentoring

Economic Advanced Studies and Honors Graduate SDSU in Economics

Radio Talk Show Host

Financial Columnist 

California Insurance Agent and Medicare Approved Agent 

 

Click the Link below for more information:

Link to services here: https://www.vantageauburn.com/marc-s-services

Insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably. I have access to a variety of insurance products that can help meet your security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

  • Life
  • Medicare
  • Long-term care
  • Fire Insurance
  • Auto
  • Business
  • Long Term Care
  • Liabilty
  • Event Liability
  • Annuities for income and growth

A Word about Life insurance:

In the event of death, life insurance may offer surviving family members financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

 

The advantages of life insurance include:

An instant estate for your loved ones at a time when funds are most needed

  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

Long-term Care, Disability and Critical Illness insurance, Lifetime income strategies and Medicare:

Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.

Questions about Medicare? 

I can help navigage the programs.

I can also help you choose the long-term care and disability insurance products that provide advantages like:

  • May assist in transfer of assets. 
  • Help loved ones 
  • Assist with paying fixed expenses for your business if you become disabled
  • Support the buy-out of a disabled partner’s share of a business.

Critical illness insurance and Medicare Policies

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside Canada
  • Home-care costs during illness and recovery periods
  • Even if you’re not disabled from working, you may receive payment
  • The ability to provide a return of premium benefit (optional)
  • Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)
  • Medicare Policies and information. Let me walk you through the best options for your situation

Contact me today to determine whether critical illness insurance fits into your financial security plan.

 

There are also new “hybrid” plans available that combine the benefits of life insurance or annuities with long term care coverage and at a cost that may be more affordable than you think. Contact me today so we can assess your needs and develop the best strategies for your specific situation to give you the peace of mind you require and protect your family and loved ones.

 

Mark (Marc) Cuniberti- California Department of Insurance License # OL34249

 

Take a minute to contact Marc directly to schedule a no obligation phone call or meeting:

 

Email: mcuniberti@vantageauburn.com

(530)559-1214

Link for services here: https://www.vantageauburn.com/marc-s-services

 

 

This website expresses the opinions of Marc Cuniberti. Past performance does not guarantee results.

Insurance Solutions offered by Marc Cuniberti and not affliated with Vantage Financial Group.