How to Invest Without Constantly Worrying About the Market

Market headlines move fast, but emotions move even faster. A common and understandable question we hear is, “How can I invest my wealth without constantly worrying about the market?” While uncertainty can never be eliminated, reframing risk can help investors stay focused on long-term goals rather than short-term noise.

Here are three principles that can help you invest with greater peace of mind.

Principle 1: Understanding Risk

The first is understanding risk. Humans are good at identifying risk but naturally poor at quantifying it. For example, most people are more afraid of sharks than cows, even though cows cause more fatalities each year. The same logic applies to investing.

Many investors fear large market drawdowns. While market declines are certainly uncomfortable, they are not the greatest threat to long-term success. The biggest risk is the erosion of purchasing power, also known as inflation. Historically, the highest failure rates for retirees did not occur during market crashes like 2000 or 2008, but during periods of high inflation, such as the 1970s.

The best way to protect against inflation is by owning appreciating assets. Once risks are properly reordered, it becomes clear that remaining uninvested can be more damaging than experiencing market volatility. Like the cow in the analogy, the most dangerous risks tend to be slow and persistent rather than sudden and rare.

Principle 2: Time in the Market

The second principle is time in the market. Long-term portfolio returns are driven by a relatively small number of strong market days. Missing just five of the best days over the past several decades would have reduced portfolio returns by more than one-third. Missing the best 50 days would have resulted in dramatically lower outcomes.

The challenge is that the best market days often occur close to the worst days. Without a crystal ball, no one can reliably predict when to be in or out of the market. For this reason, remaining invested through volatility is typically the most effective strategy. Market downturns, while uncomfortable, are what ultimately create opportunities for future growth.

Principle 3: Have a Plan Before the Market Moves

The third principle is having a plan before a market event occurs. Understanding risk and staying invested are important, but they work best within the framework of a thoughtful financial plan. A financial advisor can help clarify goals, assess risk tolerance, build a diversified portfolio, and align investments with spending needs and inflation protection.

Working with a trusted advisor can be valuable for both inexperienced investors and seasoned ones who prefer to focus their time on family, business, or personal interests. While investment returns are measurable, the value of prudent advice is often unquantifiable—yet critical during periods of uncertainty.

It’s best to establish this guidance before a market event, especially if it helps you remain invested and benefit from the strongest market recoveries.

At PYA Waltman Capital, we help individuals and families invest with clarity and confidence. Through values-based planning, disciplined investment management, and coordination with other professionals, we work to align financial resources with what matters most and reduce the anxiety that often accompanies market uncertainty.