Tyler Gardner
speaker
5,337 appearances
12 recordings
1 series
first heard Jun 2026
last heard 6d ago
Tyler Gardner’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 12 in all, peaking in Aug 2026 with 5.
Appearances
Robert did not lose his money because the market crashed in 2008.
voice-verified
The market crashed in 2008, and then the market recovered, and people who did nothing got their money back and then some.
voice-verified
Robert lost his money because he sold during the crash.
voice-verified
This is, by an enormous margin, the single largest financial mistake retirees make.
voice-verified
It is not picking the wrong fund.
voice-verified
It is not paying too much in fees.
voice-verified
It is not failing to optimize your Roth conversion.
voice-verified
It's not even failing to withdraw the right amount.
voice-verified
those things matter at the margins but panic selling during a downturn destroys retirements wholesale full stop and the data on this is brutal and consistent dalbar's annual quantitative analysis of investor behavior and yes there's a reason i mention this stat in every fourth episode
voice-verified
shows that the average investor underperforms the average fund by 3-4 percentage points per year.
voice-verified
Per year.
voice-verified
Not over a lifetime.
voice-verified
Annually.
voice-verified
That gap isn't explained by fund selection.
voice-verified
It's explained by the fact that the average investor sells during downturns and buys back during recoveries, locking in losses on the way down and missing the gains on the way up.
voice-verified
And you need to hear this.
voice-verified
Three percentage points compounded over a 30-year retirement on a $1 million portfolio is roughly $1.2 million in foregone returns.
voice-verified
The cost of one bad day of decision-making multiplied across your retirement is more than the entire initial portfolio.
voice-verified
Now, here's what's strange.
voice-verified
Almost every retiree I have ever spoken to knows this intellectually.
voice-verified
Showing 2941–2960 of 5,337 · page 148 of 267
← Previous
Next →