Welcome to the fourth episode of the Baird Retirement Management Show! Today, we are thrilled to welcome back Greg Ashcroft, a Chartered Financial Analyst, Certified Financial Planner, and Senior Vice President with the Ashcroft Pesek Bartosh Group. With nine years of experience in the industry, Greg joins us to unravel two fundamental yet often misunderstood concepts in investing: volatility and dollar cost averaging. In this episode, we dive deep into the mechanics and misconceptions surrounding these two terms. We explore who benefits most from ongoing volatility and dollar cost averaging and identify when these strategies may be less effective. To bring these concepts to life, we'll analyze the "Lost Decade" (2000–2009), using the S&P 500 with dividends reinvested as our case study. Greg discusses the impact of different investment strategies during this period, comparing the outcomes of lump-sum investing versus dollar cost averaging. You'll learn how the sequence of returns can dramatically affect your portfolio, especially for young investors who are net buyers of assets versus retirees who are drawing down their portfolios. Whether you're just starting your investment journey or planning for retirement, this episode is packed with insights to help you better understand market volatility and make informed decisions about your investment strategies. Don't miss out on Greg's expert advice on aligning your investment approach with your unique financial goals and risk tolerance. Tune in to demystify the complexities of investing and learn how to navigate market fluctuations with confidence! Subscribe to the Baird Retirement Management Show wherever you get your podcasts to stay informed about future episodes.

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