Retail Investors Beware Volatility Could Be a Wolf in Sheep's Clothing

A Banks Family Approach To Market Swings

Yo check it – this whole market thing got me thinking. Back in Bel Air Geoffrey always said "Patience Master William is a virtue." Turns out that applies to stocks and bonds too. This dude Nick Ryder from Kathmere Capital Management he's dropping knowledge like Jazz dropping beats – sometimes off key but mostly on point. He's saying folks shouldn't just jump into these 'safe' investments 'cause the market's doing the cha cha. See I've learned a thing or two since trading my hoop dreams for trust fund schemes. Sometimes the safest bet ain't the best.

Yield Chasing Is For The Birds (And Maybe Jazz)

Ryder's got this thing about 'yield chasing,' which sounds like something Jazz would do at a ladies' night. But nah it's about trying to get the highest return without thinking about the risk. Like trying to impress Hilary with a fake Rolex – looks good at first but the truth always comes out. Turns out you might end up with bonds that are riskier than Carlton's dance moves at a hip hop club. And speaking of risks have you read this article on Potomac River Sewage Spill Political Turmoil Engulfs Washington? That's a risk no one wants to take.

From West Philly To Wall Street

He's saying think long term like Uncle Phil planning Thanksgiving dinner – ain't no cutting corners or taking the easy way out. Start with what you want to achieve figure out how much risk you can handle (personally I can handle a lot especially when it comes to girls and expensive sneakers) and then find the investments that fit. Don't just grab the shiniest thing which knowing Carlton would be a government bond.

Goals Before Gold Chains

See an income first strategy can be like letting Carlton pick your outfit for a party – disastrous. You might end up betting on the wrong horse without even realizing it. Ryder emphasizes starting with your goals and risk tolerance. It's like knowing you want a mansion in Bel Air before you start hustling in West Philly if that makes sense. Know where you're going before you start the journey.

Economy is Resilient Like a Bad Haircut in Bel Air

And get this – Ryder's actually optimistic about the economy. Says it's been pretty resilient like my hair after a swim in the Bel Air pool. Corporate profitability is up which means more bling for everyone... hopefully. But still gotta be smart about it.

Smart Yield Is The Only Yield Period

Christian Magoon from Amplify ETFs is on the same page. He's saying don't let the distribution number drive your choices which again sounds like something Jazz would say about dating. Balance that yield with the chance to actually make some money long term. Otherwise you're just walking into a yield trap. And trust me been there done that got the t shirt... and the lawyer bills. Word to your mother.