Investing can often feel like riding a roller coaster—thrilling highs followed by sudden, unexpected drops. Market swings are a natural part of the journey, but they can still leave investors feeling uneasy. In times of volatility, staying grounded with a few key reminders can help put short-term movements into long-term perspective. Here are some strategies to help you stay focused on the long-term:

1. Keep Your Eye on the Horizon

When you invest, you can expect that both ups and downs will be part of the ride. Decades of stock market returns demonstrate how often declines can happen. For evidence, look at the largest intrayear declines for the US stock market in every year from 1979 to 2023. Those declines average to -14%. However, 37 of the past 45 calendar years have ended with positive returns for the US stock market (see Exhibit 1). So instead of getting anxious over a near-term drop, keeping an eye on the horizon can help investors keep the queasiness at bay.

Exhibit 1

US Market Intrayear Gains and Declines vs. Calendar Year Returns

1979–2023

2. Stay in Your Seat

When the stock market drops precipitously, or headlines speculate it might, it can be tempting to jump out of the market to try to avoid (further) losses. But just as roller-coaster riders are warned to keep their seat belts fastened and stay seated, investors may be well advised to do the same.

Attempting to time the market to avoid the worst days could cause an investor to miss out on some of the best days (see Exhibit 2). Consider that $1,000 invested in the S&P 500 Index back in 1990 would have grown to $27,221 by the end of 2023 if left untouched. However, if an investor had pulled their money out and missed the single best day over the more than 30-year period, their ending wealth would be reduced by nearly $3,000. Worse, if an investor had missed the five best single days, their ending wealth would be reduced by more than $10,000. Over the course of decades, even a few days can make a big difference.

Exhibit 2

S&P 500 Index Performance Based on Time in the Market

1990–2023

Taking a step back from the current moment may provide investors helpful perspective and put fears at ease. Markets have marched upward through the decades, even amid concerning world events, and rewarded disciplined investors over time (see Exhibit 3). This reminds investors that, despite the extreme headlines and bumps experienced in the short term, you may have a better ride by staying in your seat.

Exhibit 3

Growth of a Dollar—MSCI World Index (Net Dividends)

1970–2023

3. Know Your Thrill Tolerance

The same way theme-park goers can choose rides that align with their thrill tolerance, investors can choose an asset allocation that aligns with their risk tolerance. Financial advisors can play a key role in helping you do just that—by exploring your investment objectives and time horizons, and helping you build a diversified portfolio with the appropriate level of resilience (see Exhibit 4).

Exhibit 4

Stock-Bond Asset Allocation Performance

1985–2023

Investing doesn’t have to be a harrowing, white-knuckle experience. A few simple reminders and the help of an investment professional can give you the confidence to ride out the rough patches.

Footnotes

1.  The Dimensional Core Market 100/0 Index Allocation combines the following indices: Dimensional US Core Equity Market Index, Dimensional International Core Equity Market Index, Dimensional Emerging Markets Core Equity Market Index, and the S&P Global REIT Index (gross dividends).
2.  80% of the weight is allocated to the Dimensional Core Market 100/0 Index Allocation, and 20% of the weight is allocated to the following indices: Dimensional Short-Term Extended Quality Index (10%) and Dimensional US Core Fixed Income Index (10%).
3.  60% of the weight is allocated to the Dimensional Core Market 100/0 Index Allocation, and 40% of the weight is allocated to the following fixed income indices: Dimensional Short-Term Extended Quality Index (25%) and Dimensional US Core Fixed Income Index (15%).
4.  40% of the weight is allocated to the Dimensional Core Market 100/0 Index Allocation, and 60% of the weight is allocated to the following indices: Dimensional Short-Term Extended Quality Index (40%) and Dimensional US Core Fixed Income Index (20%).
5.  20% of the weight is allocated to the Dimensional Core Market 100/0 Index Allocation, and 80% of the weight is allocated to the following indices: Bloomberg US TIPS Index (10%), Dimensional US Ultra-Short Fixed Income Index (10%), Dimensional Short-Term Extended Quality Index (50%), and Dimensional US Core Fixed Income Index (10%).
6.  The Dimensional Core Market 0/100 Index Allocation combines the following indices: Bloomberg US TIPS Index (20%), Dimensional US Ultra Short Fixed Income Index (20%), and Dimensional Short-Term Extended Quality Index (60%).

Disclosures

The information in this material is intended for the recipient’s background information and use only. It is provided in good faith and without any warranty or representation as to accuracy or completeness. Information and opinions presented in this material have been obtained or derived from sources believed by Dimensional to be reliable, and Dimensional has reasonable grounds to believe that all factual information herein is true as at the date of this material. It does not constitute investment advice, a recommendation, or an offer of any services or products for sale and is not intended to provide a sufficient basis on which to make an investment decision. Before acting on any information in this document, you should consider whether it is appropriate for your particular circumstances and, if appropriate, seek professional advice. It is the responsibility of any persons wishing to make a purchase to inform themselves of and observe all applicable laws and regulations. Unauthorized reproduction or transmission of this material is strictly prohibited. Dimensional accepts no responsibility for loss arising from the use of the information contained herein.

This material is not directed at any person in any jurisdiction where the availability of this material is prohibited or would subject Dimensional or its products or services to any registration, licensing, or other such legal requirements within the jurisdiction.

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RISKS
Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original value. Past performance is not a guarantee of future results. There is no guarantee strategies will be successful.

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Source: DFA Investing Can Be A Roller Coaster: Three Tips for Riding Out the Ups and Downs

Golf Tip of the Week

6 Common Driving Mistakes and How to Fix Them

Struggling off the tee? Rob Labritz, a top instructor, shares six common driving mistakes that many amateur golfers make—along with simple fixes to help you find more fairways and regain confidence.

1. Aiming Too Far Right
   Poor alignment leads to slices and lost power. Use an alignment stick to ensure your feet, hips, and shoulders are square to your target.
2. Ball Too Far Forward
   Improper ball position can lead to slices and hooks. Align the ball with your lead armpit to maintain a balanced posture and cleaner contact.
3. Overly Wide Stance
   A stance that’s too wide causes swaying and inconsistency. Keep your feet shoulder-width apart to promote a stable and balanced swing.
4. No Spine Tilt
   A vertical spine at setup results in low drives. Slightly tilt your spine away from the target to increase launch and distance.
5. Short, Fast Swings
   Trying to “kill” the ball with a short, fast swing ruins consistency. Instead, use the “1-2, 3-4” rhythm drill to smooth out your tempo.
6. Overhooking the Ball
   Shots flying too far left? Open your stance and feel like you’re holding the clubface open through impact to straighten your ball flight.

Golf Tip adapted from Golf Digest. Read the full article here: 6 driving ‘death moves’—and how to fix each of them

Recipe Tip of the Week

Brown Sugar Mustard Glazed Baked Ham

Ingredients

1 (12-pound) shankless skinless smoked cured ham

Whole cloves for studding ham

1 cup firmly packed light brown sugar

1/4 cup prepared mustard

2 tablespoons cider vinegar

Instructions

1. Prepare the Oven: Set your oven to preheat at 350°F (175°C).
2. Score the Ham: Using a sharp knife, lightly slice the surface of the ham in a diamond pattern. Insert a whole clove into the center of each diamond for added flavor.
3. Roast the Ham: Place the ham on a rack inside a roasting pan. Bake uncovered for about 1 hour and 30 minutes.
4. Make the Glaze: While the ham is roasting, mix together brown sugar, mustard, and vinegar in a bowl until well blended.
5. Glaze and Finish: Remove the ham from the oven and brush the glaze evenly over the surface. Return to the oven and bake for an additional 30–35 minutes, or until the glaze is caramelized and the ham is heated through.
6. Rest Before Serving: Transfer the ham to a serving platter and let it rest for 15 minutes before slicing.

Recipe Tip adapted from Food Network. Read the full article here: Baked Ham with Brown Sugar Mustard Glaze

Travel Tip of the Week

25 Breathtaking Cities Worth Adding to Your Travel List

Travel opens the door to beauty, culture, and inspiration—and these 25 cities exemplify the most stunning destinations across the globe. Travel + Leisure recently featured a curated list of the 25 most beautiful cities in the world—destinations known for their stunning architecture, rich culture, and unforgettable scenery. Whether you’re planning your next getaway or dreaming of future adventures, this list offers something extraordinary for every traveler.

Here are the top destinations to note:

• Best Tourist Destination: Sydney, Australia
• Underrated Hidden Gem: Tbilisi, Georgia
• Best for Families: Singapore
• Best for Couples: Paris, France
• Best for Solo Travelers: Hội An, Vietnam

Here is a list of the 25 most beautiful cities in the world:

1. Sydney, Australia – A dazzling harbor, iconic Opera House, and coastal walks make Sydney a feast for the senses and the soul.
2. Tbilisi, Georgia – This under-the-radar gem blends old-world charm, hilltop fortresses, and a warm culture steeped in wine and hospitality.
3. Singapore – A futuristic skyline, lush gardens, and culinary treasures reflect a city that marries innovation with tradition.
4. Paris, France – Timeless and romantic, Paris enchants with its art, architecture, and café-lined boulevards.
5. Hội An, Vietnam – Lantern-lit streets and riverside markets give this historic town a peaceful, poetic atmosphere.
6. Barcelona, Spain – With whimsical Gaudí masterpieces and vibrant beach life, Barcelona pulses with creativity and color.
7. Queenstown, New Zealand – Framed by snowcapped peaks and crystal lakes, this adventure capital is as scenic as it is thrilling.
8. Cape Town, South Africa – Dramatic cliffs, golden beaches, and rich history converge at the foot of Table Mountain.
9. Venice, Italy – Floating through its canals feels like gliding through a dream of art, romance, and Renaissance beauty.
10. Kyoto, Japan – Zen temples, cherry blossoms, and geisha traditions bring Kyoto’s quiet elegance to life.
11. Rio de Janeiro, Brazil – Surreal mountains, samba rhythms, and golden beaches give Rio its electric energy.
12. Prague, Czech Republic – Gothic towers and cobbled streets create a fairy-tale setting in the heart of Europe.
13. San Miguel de Allende, Mexico – Colonial facades and vibrant artisan culture make this city a cultural treasure.
14. Istanbul, Turkey – A crossroad of continents, Istanbul stuns with its mosques, markets, and deep-rooted history.
15. Dubrovnik, Croatia – Enclosed in medieval walls and kissed by the Adriatic, Dubrovnik glows with coastal charm.
16. Buenos Aires, Argentina – Tango beats and Belle Époque elegance define the heartbeat of Argentina’s capital.
17. Amsterdam, Netherlands – Picturesque canals, bicycles, and historic houses blend old and new in perfect balance.
18. Vancouver, Canada – With mountains at its back and ocean at its feet, Vancouver is a nature-lover’s dream.
19. Cartagena, Colombia – Colorful streets, Caribbean breezes, and colonial charm welcome every visitor with warmth.
20. Marrakech, Morocco – This desert jewel is a sensory journey through souks, palaces, and spices.
21. Rome, Italy – Every corner of Rome feels like a walk through the pages of history and classical splendor.
22. Edinburgh, Scotland – With its craggy castle and cobblestone streets, Edinburgh offers moody beauty and literary flair.
23. Lucerne, Switzerland – Snowcapped Alps, turquoise lakes, and medieval bridges paint a picture of Swiss perfection.
24. Jaipur, India – Known as the Pink City, Jaipur dazzles with regal palaces, intricate art, and vibrant markets.
25. New York City, USA – A city of endless energy and iconic landmarks, New York is a true mosaic of cultures and dreams.

Travel tip adapted from Travel + Leisure. Read the full article here: 25 Most Beautiful Cities in the World

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Ballentine Capital Advisors is a registered investment adviser. The advisory services of Ballentine Capital Advisors are not made available in any jurisdiction in which Ballentine Capital Advisors is not registered or is otherwise exempt from registration.

Please review Ballentine Capital Advisors Disclosure Brochure for a complete explanation of fees. Investing involves risks. Investments are not guaranteed and may lose value.

This material is prepared by Ballentine Capital Advisors for informational purposes only. It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation or any particular security, strategy, or investment product.

No representation is being made that any account will or is likely to achieve future profits or losses similar to those shown. You should not assume that investment decisions we make in the future will be profitable or equal the investment performance of the past. Past performance does not indicate future results.