In this conversation, Marco Lima, CFP®, discusses the current state of the financial markets, emphasizing the importance of balancing offense and defense in investment strategies. He highlights the significance of diversification, the role of bonds and gold, and how market downturns can present unique opportunities for investors. Lima stresses that a well-structured portfolio is essential for achieving long-term financial goals, especially during periods of uncertainty.

• Stock market uncertainty and unexpected life events are inevitable.
• Periods of market uncertainty may represent times when asset prices are most attractive.
• Diversification reduces risk and allows for better planning toward financial goals.
• Market downturns often occur when valuations are the most attractive.
• Bonds can help balance portfolios and offset declines in other asset classes.
• Gold serves as a store of value in times of uncertainty but can also retreat in value.
• Investors should not focus on a single asset class but view their portfolio holistically.
• The greatest market opportunities often emerge when investors are the most worried.
• Maintaining a long time horizon is crucial for long-term investing success.
• A balanced portfolio is the best way to achieve financial goals.

• "Bonds zig when stocks zag."