Mountain Vista Wealth Management

Guiding from Valley to Peak

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Q3 2023 Investment Letter

INTRODUCTION

“Far more money has been lost by investors trying to anticipate corrections, than lost in the corrections themselves.” – Peter Lynch

We spend a lot of time in our investment letters discussing the negative implications of overreacting to recent market trends, sensational news stories, or partisan politics.  It does not mean that the story of the day does not matter, but that the market is forward looking and incredibly good at anticipating changing conditions.  By the time a story becomes newsworthy, it is typically too late to make a change.  Also, what seems critically important today can be quickly forgotten as a new narrative takes hold.  Time usually heals all wounds! [Read more…] about Q3 2023 Investment Letter

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Q2 2023 Investment Letter

INTRODUCTION

“Pain trade is the tendency of markets to deliver the maximum amount of punishment to as many investors as possible from time to time.” -Adam Hayes, Investopedia

Coming into 2023, it seemed obvious that a recession was coming and there was no reason to take risk in the equity markets with short-term yields above 4% and heading higher.  If you were to take equity risk, it should definitely not be in the technology sector.  Investors became too complacent with this view. [Read more…] about Q2 2023 Investment Letter

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Q1 2023 Investment Letter

INTRODUCTION

“A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain” -Mark Twain

Before we dig through the financial market activity of the 1st quarter, I wanted to address the turmoil in the financial sector and some common concerns and misconceptions about the safety of your cash and investment accounts. [Read more…] about Q1 2023 Investment Letter

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Q4 2022 Investment Letter

INTRODUCTION

“In investing, what is comfortable is rarely profitable.” -Robert Arnott

The year 2022 was challenging for any investor utilizing traditional investments to construct their portfolio.  With the Federal Reserve raising interest rates at a blistering pace and switching from Quantitative Easing (“QE”) to Tightening (“QT”), most assets had to be marked down to the new environment.  [Read more…] about Q4 2022 Investment Letter

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Bear Market Tax Strategies

Bear markets present tax planning strategies for astute investors. In this article we will explore how Roth IRA conversions and tax-loss harvesting may benefit you during this brutal investment environment. [Read more…] about Bear Market Tax Strategies