Quarterly Market Update

martinis and your money

Quarterly Market Update

I’m excited to share today’s podcast because it’s something I have wanted to try for a while. Something I loved about working at Merrill Lynch, was receiving quarterly market updates from our research teams. The updates would review what happened in the global economy in the previous quarter and provided insight as to what you should focus on for the upcoming quarter.

I invited my friend Matt Reiner from Wela to come back on the show and share his company’s quarterly market update. You may remember Matt from the Halloween podcast episode, Investing for the Zombie Apocalypse. I hope to share more episodes like this in the future, so I hope you let me know what you think.

What are we drinking?

Matt — Old Fashioned

Shannon — Pickletini (pairs wonderfully with a burger)

Podcast Summary

  • Matt likes to do quarterly reviews because they give everybody some hope for the future and recaps what we just experienced in the financial world.
  • There were three headlines for 2015: Oil, The Fed, and Volatility
  • Two headlines for 2016: The Election Year and Energy

2015 RECAP

  • The oil & gas market has fallen drastically and has affected the market as a whole.
  • 2015 was all about when the Fed was going to raise interest rates as they’ve been expected to raise rates for five years.


  • This year you’re likely to see the benefits of the lower prices of oil across the economy and across companies.
  • 2016 is going to be all about the election.
  • The 4th year of a second term president tends to bode well for the stock market, but there will still be some volatility.
  • If the markets would start believing that nothing gets done in Washington and not trade on election or political news, investors would be a lot happier.
  • When Washington gets out of the way, the markets tend to do better.


  • Election drama impacting the markets
  • The US GDP climbing
  • The Fed increasing rates but not as much as people believe they will
  • The healthcare sector as a whole
  • ISIS to continue to be a hot topic. The cybersecurity sector stands to benefit from this and grow exponentially.
  • More corporate cash activity


  • Understand that the fall in oil prices doesn’t cause recessions.
  • The 18th month mark after a fall in energy tends to be the turning point when you start to see the benefit of lower oil prices.
  • In 2015, the S&P 500 saw a gain of 1.4% (total return).
  • If you missed the three best days for the market (which tend to happen after the worst days) in 2015, your return would have gone from 1.4% down over 7% which is incredible for just three days.
  • This proves that staying true to a longer-term strategy and not letting your emotions get in the way of that strategy is key to investing in terms of volatility.
  • Set the right portfolio in place, and it will do the work for you; it’s all a matter of patience!
  • You win more often in the market than you lose, and you to start to lose when you start trying to guess.
  • It’s easy to get out of the market, but it’s so much harder to get back in.

What do you think will be the big headline making stories for the economy in 2016?

Where to Find Matt

Website: www.yourwela.com

Twitter: @mattreiner

Twitter: @wela

Facebook: https://www.facebook.com/YourWela


Where to Find Our Sponsor → DIY Fund

Let them know that Shannon sent you!

Website: www.diy.fund

Twitter: @Diyfund

Facebook: https://www.facebook.com/DIYFUND

Previous articleWhat Motivates Me More Than Powerball
Next articleAsset Allocation – Why It Matters
Shannon is a financial planner who left a “traditional” financial services firm to start her own company, The Financial Gym, because she felt traditional financial services firms did not have the tools or resources to help people in their 20s and 30s who are starting out and trying to build assets while also managing debt. She realized that the key to long-term personal financial success is a commitment to financial fitness and making smart financial choices. Through her blog, Financially Blonde, her book, Train Your Way To Financial Fitness, her podcast, Martinis and Your Money and The Financial Gym, Shannon is committed to making financial fitness fun, easy and accessible for everyone.


  1. Love the quarterly update, though I disagree on one point. If the affordable care act makes it through another four years, I think it becomes an indelible part of the American landscape, and with healthcare (including insurance) eating up 18% of GDP, that’s something that I would consider a macro change in the economy. Of course, you could argue that we’ve already seen the affects, but I would argue more loudly that we haven’t.

Leave a Reply