Tired of Stock Market Losses? 3 Tips to Know When to Get Out of the Market

Tired of seeing losses in your investments? Ever sell at the bottom? Do you wish you could’ve gotten out sooner? Let’s face it. Most of us are terrible at timing the market. But that shouldn’t be an excuse to head for the hills. Wouldn’t it make more sense to know when not to be involved in the market, and more importantly, when you should get back in? Picking when to enter into the market can be just as important as what you pick.

Of course, it may seem easier to avoid the market altogether by just investing in bonds or real estate. But getting out of the market forever is not necessarily the best thing to do. After all, the stock market has outperformed the bond market and real estate over the long term. And the most likely way for us to fulfill our investment plans is by getting the highest possible returns necessary without too much risk.

Besides, unless another investment vehicle becomes a better reflection of economic growth like the stock market, I am afraid we are stuck in investing in the market in order to get better returns in good times and bad. Or are we?

Knowing when to get in

While I have earlier suggested what investments we should focus on, we didn’t discuss when it’s a good time to buy. And that’s very important to know. Think about it. Do you just go out and buy a car any day? No, you wait for a sale or go at the end of the month when the dealers need to make their sales quota. How about clothes? Again, most wait for a sale. This is the same concept you should have with investing in mutual funds, ETFs or stocks. You wait for a sale. Here are 3 indicators I use that can help me determine when the market on “sale.”

Indicator #1: The economy

Unfortunately, “red hot sales” in the market are more or less dependent on economic growth. For example if we expect an economic slowdown over the next 6 months or longer, the stock market will most likely sell off. Why? An economic slowdown means most companies will grow less. Would you pay more for a stock in a company that will grow less? Not me!

So, one indicator to let us know whether we may want stay in the market is to ask ourselves if the economy is going to grow, to slow or to maintain its current course. To figure this answer out, you could talk with your broker or read some monthly finance magazines. Magazines like Money, Forbes or Klinger’s will have columnists dedicated to writing a one pager discussing the economic outlook. Remember, don’t make this complicated. You are just looking for a couple of professional opinions, so you can make your informed decision.

Unfortunately, looking at the economy is not good enough, since this is a very slow and vague indicator of how to handle our money. I think we can do better…

Indicator #2: Market Volatility

There is an old Wall Street adage: Stocks tend to sell off 3 to 4 times faster than they climb. Why? There are many people who already own stocks who need to get out, and are looking for buyers. No one wants to be the first one to buy when a stock or the market seems to be in trouble. Would you? So stocks fall faster than they rise.

When stocks sell off faster, volatility (which is a fancy word for measuring how much a stock’s price moves) increases. When the entire stock market sells off, the volatility across many stocks start to rise. To help see this increase in volatility across the board more clearly, volatility indicators, like the put/call ratio and the VIX, were created and can be tracked much like an index.

Here’s how it works. If the market has sold off recently, I would see a rise in the VIX index. The more the market goes down, the higher the VIX indicator climbs, just like playing on a seesaw when you were a kid. When the VIX rises to a certain point, I exit the market. I make it that simple! In my guide, I go through an example using the VIX and show specific points and strategy I use to get in and get of the market. Obviously, my timing is not perfect, but I also miss long term corrections too!

While this is a good and clear indicator, it only works when the markets get more volatile. What if you want to get in the market when it is calm or starting to rise? There are shorter term indicators that can be used.

Indicator #3: Technical Analysis

Technical Analysis is just looking at your stock’s price and volume movements on a graph, and then drawing a conclusion. It basically tries to predict future price movements from previous price movements. For example, let’s say if the stock market had a big run up or just has experienced a big sell off, you can use a technical indicator to help you determine if or when the stock market may turn around.

Unfortunately, there are literally dozens of indicators to learn, none of them work perfectly and it takes time and commitment for you to master. But for me, I do my best to focus just on combining just a few long term indicators discussed in my guide. While there is no panacea to which technical indicators work best, I found that using a combination of few indicators proves to be better than the alternative of just simply guessing when to get in or out of my positions. Many discount brokers will also offer their clients free education to help them out.

Putting it altogether

By taking a look at the overall health of the economy, a few volatility indicators and some technical analysis, I am able to better determine when to get out of my positions. In fact, I use the combination of all three. It may not be perfect, but following each approach has really helped me determine when the market goes on sale or when it’s time to get back in.

The next time you decide to get into an ETF or a stock, first ask yourself at what point should get in. If the answer is “because it feels right,” think about better ways to make that decision. And as always, have a stop program to make sure small losses don’t become catastrophes. The best investors in the world tend to be better because they not only know what to get into, but often when. Become a better investor!

Commercial Agents – 5 Keys to a Top Sales Pitch and Presentation

In commercial and retail real estate today, the clients that we help are looking for some real solutions with some unique and challenging property problems. The tough property market today requires top agents with high quality solutions.

Given that we are the commercial real estate specialists, we can provide those solutions that will shorten the client’s property pain and discomfort. Market yourself as the solutions specialist.

We know the market trends more than anyone else. We also have the ability to tap into the enquiry base from a broad base of other listings and recent property enquiries. The database that we have in our office today is a key component of attracting and winning listings. Use your database as leverage in the presentation process.

Competitive?

Just about every sales pitch and presentation that we do today will be competitive against a number of other agencies. The hour or so that we spend with the client will be the only time that we have to convince the client that we are the best agent in the local area to help them.

This then says that our sales pitch and the presentation has to be of high quality and extremely relevant. Top agents do this each and every time when chasing a listing to ensure that their property solution is the best available.

Here are five of the most important keys to wait top sales presentation with commercial and Retail Property.

  1. Inspect the property comprehensively beforehand. Take a significant number of photographs around the property that can be used as part of your presentation. A good strategy here is to let the digital photographs automatically scroll on your laptop as you talk about the property and your marketing solutions.
  2. Review all competing listings in the local area before the presentation. Understand how those properties are being marketed currently and what challenges they present to your new client with the new listing. The competing properties can be a source of real leverage when it comes to explaining your marketing solutions. Tell the client how their property is to be marketed in comparison to these other properties.
  3. Provide unique marketing strategies for every listing. The strategies should feed into your presentation. Provide examples of marketing solutions that have been successful in the past with the other properties. Include yourself as part of the solution process so the client can see that they should choose you as the agent to implement the program. When it comes to marketing listings today, specific marketing is far more successful than the all too commonly used generic approach. Real personal effort is required to market a property today.
  4. Tell stories of similar challenges in the local area. Stories are perhaps the most successful marketing tool that we have available. Clients tend to listen to stories and relate to the challenges much more effectively than a simple list of solutions and quotes detailed in your proposal.
  5. Show them a timeline as part of your presentation. This will show the client that you really do know how to move the marketing process ahead. The time line will also put them in the decision facility and the stages of the property solution. Every listing with its expected marketing and negotiation processes should have ten or so stages to move through.

Every sales pitch and presentation is an opportunity to be tapped. In a short period of time these five simple steps can position you more effectively for improved listing conversion. Develop the process and practice it regularly. 

Commercial Agents – Build Your Commercial Property Business on Cold Call Prospecting

In commercial and retail real estate, the cold calling process is quite important to building your market share. Many agents and salespeople struggle with the cold calling process and the necessary mindset to make it work. In the end they will avoid making cold calls at every opportunity. That then produces a slower growth of market share and territory development.

You have a choice to consider and a process to develop. Consider the following ideas.

  • If you want to build your market share and achieve a greater number of quality listings, then the best way to do it is through a defined prospecting process including a daily cold calling effort. Over time these processes will build new leads and opportunities. The system really does work, however it does require specific focus and diligence on a personal basis.
  • When you start off in the industry, you really have no prospects to talk to other than the people and businesses you find in the telephone book. That is a good place to start; contact all the local businesses in a systematic way. From that point you can then contact specific property owners and large local businesses.

You will need some form of simple database to record your findings and activities when you get prospecting up and going for you. Initially you can use a simple contact address book system that allows you to take sufficient notes with the people that you speak to. When you are ready, you can export this information to a more comprehensive database that you purchase at a later time.

Only purchase the database software that you know will work for you; study the alternatives that are available and test them out.

So when it comes to this prospecting model, you can make excuses or you can take definitive action. You cannot do both in prospecting. Here are some tips to make the system work for you.

  1. Develop the mindset to support the process. When you make the calls, you are simply seeking to understand if the person has a need or an interest in commercial real estate. The initial call is a questioning process and not a pitch. Create a conversation with the people that you call.
  2. Build prospecting and calling time into your diary on a daily basis. Consider the best time of day you to reach the segments of prospects that you would normally talk to. Your choice of time really comes down to the property type, the local area, and the way in which you do business.
  3. Practice your telephone approach. Given that most of the people you call will not have heard from you before, the initial telephone call should be a simple introduction and questioning process surrounding their interest and activities in commercial property. There is no point in having a pitch based around your services, as that can come later when and if you meet with the qualified prospects. Further to that concept, pitching over the telephone is really difficult and a special skill. You really do not know if they have a need or an interest in commercial property so ask questions first.
  4. Not everyone wants to talk to you when you make the first call. So don’t get offended if they push you away or will not talk to you. Forcing a conversation where it is not required or warranted is unnecessary. It is far easier to move on to the next telephone call and the next opportunity with someone else.
  5. Keep the process moving on in a positive way, and track your ratios. You will find over time that your ratios of call conversions to meetings will improve. As you track your ratios, you will see this change and hence you can develop further confidence in the process.

Success and call confidence takes about one month of persistence in making calls. Every day you will find simple examples of better conversions. Your confidence will build and your meetings will start to occur. If you want to fast track the results you are achieving, start practicing your telephone conversations in a role playing effort with a friend.

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