Direction

It is difficult to make money in a bull market, but what do you do when you are in a bear market? In what direction should you go not only to make money but to protect what you have from loss?

Almost immediately investors think what should I buy that will help me reach my financial goals? This answer may not be the one you will like. It is really not important what you buy as long as you know the rules of the game - the stock market game.

Rule One. You must know the general trend of the market. Is it going up or is it going down? You don't know and worse yet you don't know who does. There are many who do and you can be one of them if you wish, but you must also be willing to put aside the conventional wisdom of Wall Street otherwise known as lies. They tell you that you cannot time the market. You can and it is easy. I have been doing it for almost 20 years and so have many of my friends. Unfortunately, brokerage companies do not want you to learn this simple technique to protect your investments.

Once you know the general direction of the market you can act accordingly. If the trend is up you should own stocks and mutual funds. If it is down you should be out of the market in a money market fund or in bonds.

Go on the Internet to the web site www.bigcharts.com . Here you can type in the basic symbol for the S&P500 Index, SP500, and then use the Interactive Section to put in a 200-day Moving Average. If the price of the Index is below this line you should be in a money market and, if above, you should be buying stocks and no-load mutual funds. It is that simple.

Rule Two. Whatever you buy, and I don't care what it is, you must set a price below which if it drops that you will sell out. Period. As your equity moves up so should this stop-loss price so as to protect your profit. You don't want to give that back when the market or this particular equity starts down again.

The market direction changes from up to down in a rather steady cycle of about 14 to 16 years. It has been doing this since 1800. The year 2000 saw the top of the most recent up cycle and it is expected to repeat with another downward direction for the next 11 years. That is not very encouraging to people who have their retirement funds in a 401K or IRA. During this period a money market account will outperform a stock account.

The only alternative is a no-load bond mutual fund. This is better than trying to buy single bonds as there is always the chance a company will go out of business leaving you with nothing. Government bonds are excellent and safe.

Whether or not you agree the direction of the stock market remains down you should plan on a loss limit for the equities in your portfolio.

Al Thomas' book, "If It Doesn't Go Up, Don't Buy It!" has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter at http://www.mutualfundmagic.com and discover why he's the man that Wall Street does not want you to know.

http://www.mutualfundmagic.com; 1-888-345-7870

apartment cleaning near Highland Park ..

In The News:

Hyundai AutoEver America suffered a data breach affecting 2,000 current and former employees, exposing names, Social Security numbers and driver's license information.

Washington court rules automated license plate reader images are public records, even when stored by vendors like Flock Safety, setting precedent for transparency.

Fake airline texts claiming flight cancellations are targeting travelers with convincing scams. Learn how cybercriminals steal personal data and credit card info.

Discover how iOS 26's new Adaptive Power feature automatically extends iPhone battery life by learning your usage patterns and adjusting performance intelligently.

New TikTok malware campaign tricks users into running PowerShell commands that download Aura Stealer, which steals credentials and authentication tokens.

Gaia Family offers fixed upfront pricing for IVF cycles with unlimited embryo transfers and financial protection, partnering with over 100 U.S. fertility clinics.

The Jetsons Act aims to position Pennsylvania as a leader in advanced air mobility by establishing regulations for hybrid ground-air vehicles.

Fake Geek Squad invoice emails are targeting users with convincing charges and urgent phone numbers to steal personal information and money.

Fox News Digital's artificial intelligence newsletter digs into a robot in Russia that faceplanted, George Clooney's alarm and OpenAI's rivalry with the New York Times.

Major data breach at Conduent exposes personal information of 10+ million people. Government contractor hit by cyberattack affecting Medicaid, child support systems.

Texas startup Janta Power raises $5.5M for innovative vertical solar towers that generate 50% more energy than traditional panels while using just one-third the land.

NASA's twin ESCAPADE spacecraft launched aboard Blue Origin's New Glenn rocket Thursday afternoon from Cape Canaveral, beginning their journey to Mars with arrival expected in 2027.

Learn how to set email reminders on iPhone and Android so you never forget to reply again. Simple built-in features help you stay organized and on top of messages.

Discover how Apple's passkeys revolutionize Mac security by replacing vulnerable passwords with biometric authentication and encryption for ultimate protection.

New survey reveals 78% of parents fear AI scams targeting their kids, yet nearly half haven't discussed these threats. Learn why this dangerous gap exists.

Chrome now autofills passport and driver's license info automatically. Google's latest browser update adds official document support with encryption and user control.

Scammers impersonate Department of Veterans Affairs employees claiming veterans owe money, but real VA communications only direct to VA.gov or official channels.

The AltoVolo Sigma hybrid-electric aircraft flies 500 miles at 220 mph while operating 80% quieter than helicopters, featuring safety systems and compact design.

Google search scam alert: fake customer service numbers can give scammers remote control of your phone. Learn how to spot these traps and protect yourself.

Electric vehicles overtake gas cars in total CO2 savings after just two years of driving, with emissions benefits growing over time as power grids get cleaner.

Louvre Museum reportedly used "Louvre" as password for surveillance system during $100M jewel heist. Learn how weak passwords put even famous institutions at risk.

Bipartisan AI jobs bill from Sens. Hawley and Warner would require companies to report AI-related layoffs and hiring to Department of Labor quarterly.

Joe A. from Shelton, Connecticut, lost $228,000 to a ZAP Solutions cryptocurrency investment scam after his divorce, highlighting rising online fraud.

AI-powered autonomous trucks from Waabi and Volvo target U.S. freight driver shortage with Level 4 self-driving technology and NVIDIA computing platform integration.

Survive flight disruptions with expert travel tips: Book early morning flights, download airline apps and know your refund rights during service cuts.

Direction

Stocks & Mutual Fund