Market Volatility and Market Downturns • Cash at Fidelity
Monthly AIRE Perspectives – April 2025
Dear Friends and Valued Clients,
Please see below for The MAP – Monthly AIRE Perspectives for this month.
On Market Volatility and Market Downturns
During times of market volatility, we feel it is important for us to share educational content and reminders of the principles of successful long-term investing. Successful investing requires that we avoid common behavioral pitfalls and maintain a long-term outlook: for the stock portion of your portfolio, it should not matter as much where the market is today, but where it will be in 10 years. Here Is an excellent presentation and reminder, courtesy of Dimensional. Download
IMPORTANT NOTE: Cash at Fidelity
You may have received a notice from Fidelity regarding the core transaction account in your non-retirement accounts at Fidelity. Before the end of May, Fidelity is changing its default cash option on all non-retirement accounts to FCASH, which means that the higher-yielding money market funds will no longer be available for automatic purchase. However, these money market funds are available for purchase with no transaction costs, which means that we simply have to place orders to move the cash from the default FCASH into the money market funds. As your fiduciary, we will regularly check your accounts and will make our best efforts to move your cash as quickly as possible into the higher-yielding money market funds, so there is nothing you will need to do regarding this letter – we will handle this for you. Fidelity’s change, while inconvenient, is in line with general industry trends. Should you have questions or wish to discuss this change, please feel free to contact us at any time.
Once again, we would like to thank you for your trust and loyalty, and look forward to speaking with you in the upcoming month.
The commentary and opinions expressed in our articles on this page reflects the personal opinions, viewpoints and analyses of the AIRE Advisors, LLC employees writing the article. The articles on our website should not be regarded as a description of advisory services provided by our firm or performance returns of any AIRE Advisors, LLC’s clients. Any past performance discussed in these articles is no guarantee of future results. The views reflected in the articles are general in nature and made to provide education about the financial industry. These views and opinions are subject to change without notice. Any mention of a particular security, sector, and related performance data is not a recommendation to buy or sell that security or in that sector. Our firm manages client accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the articles. To determine what kind of investments may be appropriate for you, please consult your financial advisor prior to investing. Also, please note that all investing involves risk and the possible loss of principal capital.
In addition, AIRE Advisors, LLC may provide links hyperlinks for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you away from our website. Our firm is not responsible for errors or omissions in the material on third party websites and does not necessarily approve of or endorse the information provided. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites.