[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-488896-105":59,"doc-detail-488896-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","sticking-to-a-financial-plan-how-to-avoid-missing-market-recovery","Sticking to a Financial Plan - How to Avoid Missing Market Recovery","","A financial plan must unify every area of personal finance and be implemented consistently, especially during market turbulence. The text explains how fear during declines leads investors to sell and wait, which often provides short-term emotional relief but harms long-term results by missing the market’s strongest recovery days. Using J.P. Morgan’s 2000–2019 US stock data, it shows that missing the best 10 or 20 days sharply reduces average returns. It advises staying on the plan, reviewing with a financial professional, and understanding that major up days typically follow down days.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/sticking-to-a-financial-plan-how-to-avoid-missing-market-recovery/488896/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/sticking-to-a-financial-plan-how-to-avoid-missing-market-recovery/488896.png","ImageObject",300,407,{"name":92,"@type":93},"miaandmiso","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-08","2026-10-01",true,{"@type":102,"interactionType":103,"userInteractionCount":19},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"Why is it important to properly implement a financial plan?","Question",{"text":112,"@type":113},"A well-constructed plan only works if it is implemented. Without proper implementation, changes during turbulence can disrupt the rest of the plan.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How does selling during market turbulence affect long-term returns?",{"text":117,"@type":113},"Selling often creates emotional relief in the short term, but it can hurt long-term results by causing investors to miss the market’s recovery.",{"name":119,"@type":110,"acceptedAnswer":120},"What does the J.P. Morgan study suggest about missing the best trading days?",{"text":121,"@type":113},"Based on US data from January 2000 to December 2019, leaving money invested averaged 6.06% per year, while missing the 10 best days reduced returns to 2.44%, and missing the 20 best days dropped to 0.08%.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},488896,1790818741,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":19,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":14,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":129,"read_time":24,"preview_page_count":4},7971478544854,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","April 2020  \nBy Clinton Orr  \nIt is important to have a financial plan. A well-constructed plan brings all the areas of your financial life together and ensures they are working towards the same goal. However, unless the plan is properly implemented, it won’t be much good. Our investment portfolio is part of our overall financial plan and in times of market turbulence there is a temptation to drastically alter our investment strategy, which could impact the rest of our financial plan. The Coronavirus has temporarily turned the stock markets upside down, most folks have at least part of their investment portfolio in the stock market. With all the turbulence I imagine many people are nervous and are considering changing their investment approach. Well, we will dive into a bit of data on the topic in hopes it can provide some clarity and help people stick to their plan.  \nNo one likes to see their portfolio decline in value, it is a horrible feeling, we just want the decline to stop. When the stock market gets turbulent a natural emotional reaction is to want to pull the money out and take shelter. Often when we sell, we tell ourselves we will get back in when things settle down. While that action brings a feeling of emotional relief in the short term it usually ends up hurting us in the long run.  \nJ.P. Morgan released their 2020 retirement guide in March, part of it included a study on that very topic. J.P. Morgan looked at US stock market data from January 2000 to December 2019. During that 20-year period, according to their data, if you invested in the US market and just left the money alone you averaged 6.06% per year. If you were out of the market and missed the 10 best days, your average return dropped to 2.44% . Just 10 days out of a 20-year period and your return is substantially lower. If you were out of the market for the 20 best days, your return drops to a dismal 0.08% per year. Think about that for a moment, in a 20-year period if you miss just 20 days, the 20 best days in the stock market, you essentially don’t make any money.  \nVice President, Investment Advisor & Portfolio Manager  \nT: 204.259.2860 Beausejour: 204.205.0101 [corr@cgf.com](corr@cgf.com)  \nInvestment Advisor & Portfolio Manager  \nT: 204.259.2863 TF: 1.877.259.2888 [kbecker@cgf.com](kbecker@cgf.com)  \nInvestment Advisor Assistant  \n(Licensed)  \nT: 204.259.2851 [asroache@cgf.com](asroache@cgf.com)  \nInvestment Associate  \nT: 204.259.2861 [mirwin@cgf.com](mirwin@cgf.com)  \nWealth & Estate Planning Specialist  \nT: 204.259.2865 [abuss@cgf.com](abuss@cgf.com)  \nCanaccord Genuity Wealth Management  \n1010-201 Portage Avenue, Winnipeg, MB R3B 3K6  \n[beckerorr.com](beckerorr.com)  \n…/2  \nHere is the catch, the bulk of the really big up days in the market follow the down days. We saw this recently, after a couple of rough weeks, on March 24 both the US and Canadian stock markets soared, double digit gains in one day. The data tells us that most of the best days in the stock market are close to the worst days, the best days are part of the recovery. When folks pull their investments, they usually don’t reinvest at the right time and miss the recovery.  \nMaking big changes to your investment strategy in the middle of the storm can significantly lower your return. If your investments don’t perform as expected that could impact the other portions of your financial plan and knock your plan off track. If you are feeling nervous or unsure what to do, chat with your financial professional and review your plan. Sticking to your plan, is usually your best course of action.  \nClinton Orr B.Comm (hons.), CIM, CFP, DMS, FMA lives in Beausejour and is a vice president and portfolio manager with Canaccord Genuity Wealth Management.","cbCaiuEFWMAbbFfA","https://ap.wps.com/l/cbCaiuEFWMAbbFfA","pdf",747580,"English","# The need for a unified financial plan\n## Emotional reactions during downturns\n# Data on missed best market days\n## Worst days followed by best days\n## Staying invested and reviewing the plan","[{\"question\":\"Why is it important to properly implement a financial plan?\",\"answer\":\"A well-constructed plan only works if it is implemented. Without proper implementation, changes during turbulence can disrupt the rest of the plan.\"},{\"question\":\"How does selling during market turbulence affect long-term returns?\",\"answer\":\"Selling often creates emotional relief in the short term, but it can hurt long-term results by causing investors to miss the market’s recovery.\"},{\"question\":\"What does the J.P. Morgan study suggest about missing the best trading days?\",\"answer\":\"Based on US data from January 2000 to December 2019, leaving money invested averaged 6.06% per year, while missing the 10 best days reduced returns to 2.44%, and missing the 20 best days dropped to 0.08%.\"}]","Sticking to a Financial Plan - How to Avoid Missing Market Recovery | PDF"]