{"id":539,"date":"2021-07-26T17:45:47","date_gmt":"2021-07-26T17:45:47","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/terrispiller\/?p=539"},"modified":"2021-07-26T17:45:47","modified_gmt":"2021-07-26T17:45:47","slug":"a-tale-of-two-investors","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/onyxwealthmanagement\/2021\/07\/26\/a-tale-of-two-investors\/","title":{"rendered":"A Tale of Two Investors"},"content":{"rendered":"

A Tale of Two Investors\u00a0<\/strong><\/p>\n

Which one is the winning strategy?<\/strong><\/p>\n

\u00a0<\/strong><\/p>\n

This is a story of two different investors and the pitfalls that can happen with different investment strategies. I\u2019ll call the two investors Sam and Albert. <\/strong><\/p>\n

\u00a0<\/strong><\/p>\n

Warren Buffett says <\/strong>\u201cIf a company isn’t a quality company, don’t buy it just because the price is low. Bargain-bin companies often produce bargain-bin results.\u201d<\/em> First you must look at the quality of the company, then at the price. Looking at the quality of a company can take some time as it\u00a0requires that you read\u00a0financial statements, listen to conference calls, and vet management. Then, only after you have confidence in the quality of the company, should the price be evaluated. So, keeping the above in mind let\u2019s look at our first investor, \u201cSam\u201d.<\/p>\n

 <\/p>\n

Sam is bound and determined that the stock market is the place that you want to be if you want to end up rich. Sam is convinced that he can make substantial wealth by taking minimal risk while at the same time shooting for that home run stock. Sam talks to his buddies and anyone else who has a hot stock tip. He gets tips on all these penny stocks that are going to go to the moon, and he is eager to invest with the thought of making millions. What Sam doesn\u2019t realize is that penny stocks carry the biggest risk of all as generally penny stocks are companies in the infancy or startup phase of their business plan. The reality is that ninety-five percent of penny stocks end up worthless. Sure, there will be the odd \u201cAmazon\u201d that develops from a penny stock, but you must be the one who is lucky enough to buy and then hold for the right amount of time to capitalize.<\/p>\n

 <\/p>\n

Anyway, Sam decides to invest in some penny stocks and puts all his available cash into a handful of these future winners. As luck would have it, Sam invests in the ninety-five percent of the available stocks that are losers. A five percent win scenario verses a ninety-five percent loss scenario are not good odds at all. So, Sam\u2019s stocks quickly end up with little or no value and he finds that he is now $100,000 in the hole. Undeterred, he saves more money and is determined that this time will be different; this time he will pick all winners. So, he gets some great advice from some friends about a stock that has been on a tear lately and he pours all his money, another $100,000 into this new gem. Within the first week he is up $1,000; up one percent in a week, that\u2019s equal to fifty percent for a year, wow! By the end of the second week, he is up $3,000 and things are going great. He can hardly sleep at night, dreaming about how he is going to spend all the money that he is going to make from now on. By end of week three, not a good week for Sam\u2019s stock, it stumbles a bit. Sam lost $5000 this week, now his original investment is $99,000. Oh well, he\u2019s not worried, it will come back. The next week, the stock drops another twenty percent. Now Sam\u2019s investment is worth slightly less than $80,000 and Sam is starting to wonder if he should just sell and take the loss. When he talks to his friends, they tell him it is just a glitch and it will come back any minute. Sam holds on, hoping that if he can just get back to even, everything will be okay. Over time his investment becomes essentially valueless. Disillusioned, Sam finally sells his stock and swears that he is done with penny stocks and will never buy them again.<\/p>\n

 <\/p>\n

Sam got caught up in the hype of easy money and although he is finally making a good decision, he has now lost $200,000 that would have been worth much more than the original amount with a different strategy. Most investors who buy penny stocks make little or no profit. \u201cYour school may have done away with winners and losers, but life HAS NOT. In some schools they may have abolished failing grades and they\u2019ll give you as MANY TIMES as you want to get the right answer. This doesn\u2019t bear the slightest resemblance to ANYTHING is real life.\u201d Bill Gates. \u201cThere is nothing wrong with a \u2018know nothing\u2019 investor who realizes it. The problem is when you are a \u2018know nothing\u2019 investor but you think you know something\u201d. Warren Buffett.<\/em><\/p>\n

\u00a0<\/em><\/p>\n

Our second investor, Albert starts investing at the same time as Sam, but with a completely different strategy. Albert has been researching different investment advisors for a few months now to find one that he feels best understands him and his needs. He has finally found one with the experience, expertise, and credentials that he likes. He sets up meetings with them and decides which one is going to be part of his financial team. Albert also has $100,000 to invest and his advisor helps him select various investments, based on his age and life situation, which will suit him in the long-term. Because of the financial planner\u2019s knowledge and experience, Albert can save more money at an accelerated rate compared to Sam. While Sam was making his second $100,000 investment after losing the first investment, Albert can add an additional $50,000 to his investment portfolio. \u201cSurround yourself with good people; people who are going to be honest with you and look out for your best interests.\u201d Derek Jeter.<\/em><\/p>\n

\u00a0<\/em><\/p>\n

If we fast forward, we can see while Sam has virtually lost $200,000, Albert\u2019s investments are now worth about $165,000 due to his contributions and the growth that has occurred over this short period of time. Even if Sam changes tactics now, he is ultimately $365,000 behind Albert who will still have his $165,000 growing on a regular basis. Warren Buffett had only two rules for investing success, \u201cRule No. 1 \u2013 Don\u2019t lose money. Rule No. 2 \u2013 Never forget Rule No. 1.\u201d<\/em><\/p>\n

 <\/p>\n

The moral of the story: Have the time, temperament and the inclination to get informed on any particular investment that you wish to make, or find a qualified investment advisor, whose job is to be informed and knowledgeable about various investment options, to work with you. \u201cIf each of us hires people who are smaller than us, we shall become dwarfs. But, if each of us hires people who are bigger than we are, we shall become giants.\u201d Warren Buffett.<\/em><\/p>\n

\u00a0<\/em><\/p>\n

The bottom line is that all things equal, essentially Albert has a huge lead on Sam when it comes to investing. As they move into the future, they will both continue to save and invest, but will Sam ever make up that $165,000 lead that Albert has on him. Likely, Albert will always be ahead of Sam as Albert\u2019s $165,000 will continue to grow and that might be a big enough difference that Sam can never catch up. If Sam moves towards Albert\u2019s investing strategy, he will reap the benefits of limiting investment losses and enhancing the possibility of substantial investment gains. It is better to have a well-informed professional on your side as you navigate the complex world of investing for success. \u201cI don\u2019t expect success. I prepare for it.\u201d Ryan Reynolds (Actor)<\/em><\/p>\n

\u00a0<\/em><\/p>\n

Important Considerations<\/strong>:<\/p>\n

A rare few investors make a fortune by investing in penny stocks, because as stated, history has shown that the odds are approximately 20 to 1 against you. Having a professional certified financial planner who is also an investment advisor on your team can provide many unseen advantages. I meet with all my clients to develop a plan for success to get maximum returns with minimal overall risk that suits their investment tolerance. \u201cRisk comes from not knowing what you are doing.\u201d Warren Buffett<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

A Tale of Two Investors\u00a0 Which one is the winning strategy? \u00a0 This is a story of two different investors and the pitfalls that can happen with different investment strategies. I\u2019ll call the two investors Sam and Albert. \u00a0 Warren Buffett says \u201cIf a company isn’t a quality company, don’t buy it just because the […]<\/p>\n","protected":false},"author":89,"featured_media":541,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\nA Tale of Two Investors - Onyx Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/onyxwealthmanagement\/2021\/07\/26\/a-tale-of-two-investors\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Tale of Two Investors - Onyx Wealth Management\" \/>\n<meta property=\"og:description\" content=\"A Tale of Two Investors\u00a0 Which one is the winning strategy? \u00a0 This is a story of two different investors and the pitfalls that can happen with different investment strategies. 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