James (Host - Lighthouse Financial Advisor)

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2,966 appearances 15 recordings 1 series first heard Jul 2026 last heard 20 Aug

James (Host - Lighthouse Financial Advisor)’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 15 in all, peaking in Aug 2026 with 9.

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Cheques and Balances · How to Avoid Going Broke in Retirement | Episode 523 · 13 Aug 2026 podcast

Okay. voice-verified

And then my five hundred thousand goes up fifty percent. voice-verified

How much have I got? voice-verified

750,000. voice-verified

But wait, it's gone down 50%, it's gone up 50%. voice-verified

Yes, yet I've got 25% less than I started with. voice-verified

Crikey. voice-verified

So um this is like when investment falls, the gain needs to be much bigger to get back to the same point. voice-verified

Yeah. voice-verified

So uh a 20% loss requires a 25% gain to recover, 30% loss, 42% gain, 40% loss, 66%. voice-verified

gain and a fifty percent loss requires a hundred percent voice-verified

Yeah, so I mean, say, let's use an example, right? voice-verified

Let's say you have a retirement portfolio of two and a half million dollars. voice-verified

If it drops 30%, which would mean that you're in a like a high growth fund, which I do not approve of, uh, that means your investment is down to 1.75. voice-verified

If it rises 30%, you feel good about it again. voice-verified

But your investment is only back up to 2.275. voice-verified

So you're still $225,000. voice-verified

um less than where you were at the start. voice-verified

So you actually need that forty two point eight percent return to get back to where you are. voice-verified

Yeah. voice-verified

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