Peter Mallouk
@PeterMallouk
I simplify Money, Motivation and Mindset | CEO, @CPIWealth | #1# Financial Advisor in America 3 Times | Bestselling Author | @Royals | @SportingKC
351 Following 92.2K Followers
Long-term investing is like watching a horror movie.
Just when you think the danger has passed, another scare is lurking around the corner.
Market corrections, crashes, and crises are inevitable. You never know when the next one will strike.
But history tells us that those who stay in their seats through the scary parts are rewarded in the end.
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The difference between average and exceptional usually isn't talent.
It's discipline, drive, resilience, and attitude.
All things within your control.
Tariffs were supposed to shrink the trade deficit.
But instead, the deficit was 8% larger over the last 20 months than the 20 months prior. And American consumers are paying higher prices.
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Your dollar has lost 53% of its purchasing power over the past 30 years.
That’s not an anomaly.
That’s the system.
Inflation isn’t just a number - it’s a silent thief.
Invest in real assets, or watch your money evaporate.
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Diversification means accepting that you'll never have the best-performing portfolio in any given year.
But it also means you won't have the worst.
The goal isn't to win every year.
It's to stay in the game long enough to win over time.
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The 30-Year Mortgage Rate today seems really high until you take a bigger picture view. Still, in today's economy, these are relatively high rates and are paralyzing housing.
Washington doesn't have a revenue problem. It has a spending problem.
Over the last decade:
Tax revenue: +65%
Government spending: +92%
The two parties fight over where the money should go, but they agree on one thing: spending beyond their means.
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The costs of war extend far beyond the battlefield.
Higher energy prices raise transportation, manufacturing, and food costs, hitting consumers everywhere.
The longer the Iran War drags on, the more these costs will ripple through the economy, fueling another wave of inflation.
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“Big opportunities in life have to be seized. We don’t do very many things, but when we get the chance to do something that’s right and big, we’ve got to do it.” – Warren Buffett
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Since its inception in 1957, the S&P 500 has hit 1,334 all-time highs.
That's a new record once every 19 days, on average.
The lesson? All-time highs are not something to fear. They're a normal part of long-term wealth creation.
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One of the biggest myths in investing is that new all-time highs are a reason to take profits.
The data says otherwise.
Since 1989, money invested when the market is at record high has actually performed BETTER than money invested on any given day.
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Are highest interest rates bad for stocks?
Not according to history.
Since 1928, the S&P 500 has averaged an 11.9% annual return when the 10-year Treasury yield was rising vs. 11.8% when it was falling.
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73% of the companies in the S&P 500 in 1996 are no longer in the index.
That's capitalism in action.
Creative destruction. Constant disruption. No company stays on top forever.
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The AI infrastructure boom is unlike anything we've ever seen.
Estimated annual spending as a % of GDP:
AI: 3.63%
Railroads: 2.24%
Highways: 1.13%
Internet: 1.10%
Electrification: 0.5%
The biggest infrastructure boom in history is happening right now.
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Want to improve your life?
Start by improving what goes into it.
Better inputs = Better outcomes.
Stocks don’t beat bonds every year - or even every decade.
But over time, they’ve won far more often than they’ve lost.
For long-term wealth creation, be an owner, not a lender.
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The cost of waiting is much bigger than the cost of bad timing.
$10k invested in US stocks every year for 30 years:
Perfect timing: $2.2 million
Bad timing: $1.7 million
Cash (T-bills): $410k
The biggest mistake wasn’t buying at the wrong time.
It was not buying at all.
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The S&P 500 has never been more concentrated in just five stocks than it is today with Nvidia, Apple, Microsoft, Google and Amazon representing over 28% of the index.
Here’s are median and average 401(k) balances by age.
You don’t have to be average.
Small, consistent contributions over time can put you far ahead of the pack.
Start now. Your future self will thank you.
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Confirmation bias tells you the economy and markets will thrive under your preferred party and collapse under the other.
History tells a very different story.
Keep politics out of your portfolio.
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