Tyler Gardner
speaker
5,337 appearances
12 recordings
1 series
first heard Jun 2026
last heard 21 Sep
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
shows that the average investor underperforms the average fund by 3-4 percentage points per year.
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Per year.
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Not over a lifetime.
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Annually.
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That gap isn't explained by fund selection.
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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.
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And you need to hear this.
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Three percentage points compounded over a 30-year retirement on a $1 million portfolio is roughly $1.2 million in foregone returns.
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The cost of one bad day of decision-making multiplied across your retirement is more than the entire initial portfolio.
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Now, here's what's strange.
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Almost every retiree I have ever spoken to knows this intellectually.
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They know they shouldn't sell during a crash.
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They know it's the wrong move.
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They've read the same charts.
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They've heard the same advice.
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And then, when the moment actually arrives, when the screen actually turns red, when the news actually gets so loud, when the friend at the dinner party actually says the most cliche and useless and often false words in financial history, this time it's different.
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they sell why this is i think the most underappreciated part of retirement planning knowledge never saves you in the moment because the moment is just too vivid the moment's too immediate this is my single least favorite part of our living in a world with such immediate access to information
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I would give anything for me, for you, for all of us as retail investors to go back to a world in which we only received market updates once a quarter.
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Really.
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And as always, the most helpful tip I can give you and the best way to think about your portfolio is like your primary residence.
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Showing 3361–3380 of 5,337 · page 169 of 267
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