Ryan Sterling

speaker

807 appearances 4 recordings 1 series first heard Feb 2026 last heard 7 Sep

Ryan Sterling’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.

Appearances

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NerdWallet's Smart Money Podcast · Are Index Funds Still Diversified? Concentration Risk and a Top-Heavy Market · 19 Feb 2026 podcast

I come across people all the time that say, hey, I have three tickers in my portfolio that are all broad-based index funds, so I feel safe.

I've got VTI, SPY, and QQQ.

There's like a 90% correlation between all of those.

You're basically owning the same thing.

It's just in three different tickers as opposed to one.

So when we look at it again, when we think about how do we want to construct portfolios, we want to use those index funds that each play a very specific role

and to minimize the amount of overlap that we have between the various index ones.

I am a huge proponent of the stock market as a way to build wealth over time.

When you look back at just the core of why has the market grown over time, it really comes down to two things, progress and innovation.

That's the story of human civilization, of human history that's not stopping anytime soon.

Bet against that at your own peril.

So, you know, when I look at it, I think I want to be exposed to and I want to benefit from that progress and innovation.

And the only way that you can do that is to be invested in markets.

Now, does that mean we're not going to see some challenging markets, that we're not going to see bear markets?

I can also guarantee you that we will see bear markets over the next 10 years.

That's just going to happen.

The way to make money over time is never fall into one of two camps.

Never be a forced seller and never be a panicked seller.

So the way to not be a panicked seller is to make sure that you don't take every headline and internalize it, as well as having a professional talk to you does help.

The way to avoid being a forced seller is don't be overly leveraged.

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