YOUR QUARTERLY VIDEO REVIEW
Hear our thoughts on the previous quarter & your financial life.
Our 2025 Q3 Quarterly Client Update video, sent to our clients to accompany quarterly statements. Please contact your Triune Financial Planner with questions!
Disclosures: Financial advisors are responsible for evaluating investment risks independently and for exercising independent judgment in determining whether investments are appropriate for their clients. Member SIPC. Past performance is no guarantee of future results. Diversification neither assures a profit nor guarantees against loss in a declining market. Investing involves risks including potential loss of principal and fluctuating value. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. This content is provided for informational purposes, and it is not to be construed as an offer, solicitation, recommendation or endorsement of any particular security, products, or services. Triune Financial Partners, LLC is an investment advisor registered with the Securities and Exchange Commission.
Transcript: Hello Triune Family!
With the third quarter in the rearview and the holiday season quickly approaching, we wanted to take a moment to share a few thoughts on the market that we think are important for all investors to remember.
Over the last 5 years, we’ve seen three stock market corrections. The COVID pandemic starting in 2020, the steepest interest rate hike in history in 2022, and tariff re-introductions earlier this year. Including these three market declines, the S&P 500 has still grown roughly 100%.
This is an incredible pace of growth despite these three significant declines, and it brings us to a thought we want to share. Right about now, one of two feelings might start to creep into your mind: euphoria or fear.
Let’s start with fear and let’s put it plainly. There is a lot of tension in the world right now; politically, socially, religiously and economically. Add to that a strong runup in the market since early 2024 and the fear of a “correction” begins to take hold. But here is the bottom line: Successful investors do not allow their feelings and the weight of this tension, or where the market is at any given moment, to determine how you invest for the long-term. Patience, discipline, and conviction towards your long-term financial life plan must prevail. Your Financial Life Plan is built specifically for your needs and does not expose money you need in the next 1 – 4 years to stock market volatility.
Now let’s look at euphoria. Because the global stock market has done so well over the last 5 years, some people start to crave “more” and feel like investing is easy or has suddenly become easier. They want even higher returns. Then one day, they hear on TV, from a friend, a colleague, or a social media investing guru about this awesome new investment opportunity that has the same type of returns as the stock market, but less risk.
Now FOMO, the Fear of Missing Out kicks in, or a more painful version of FOMO: the Fear of Seeing People Dumber Than You Getting Rich – (I’m not even going to try to pronounce that acronym) FOSPDTYGR. People start investigating Alternative Investments like Venture Capital, Private Equity, Hedge Funds, Real Estate, Commodities and other investment opportunities.
Now, both of these emotions are COMPLETELY natural. We are human. We want to get in on what looks exciting or “hot”, and more importantly, we don’t want to feel like we’re being left behind.
But here’s the reality. Alternative investments in their various forms very often look better on paper than they do in actual practice. We can see this playout in two stories we want to tell.
First, In January of 2007, Warren Buffett offered an open bet of $1 million dollars for charity to any hedge fund manager in the US that an index fund would outperform any hedge fund of their choosing over the next 10 years. He only got one brave soul to take him up on it, Ted Seides of Protégé Partners. Buffett argued that the high fees and complexity of hedge funds would drag down returns compared to a straightforward index approach. Just seven years later the index fund had gained about 125%, while the hedge fund portfolio had returned only about 36%. Mr. Seides acknowledged that he had hopelessly lost the bet, and the $1 million prize went to charity.
Second, Jeffrey Ptak of Morningstar recently researched the survival rate of Alternative Investment Mutual Funds that utilized strategies such as hedging, shorting, or trend following. Of the original 1,345 funds in existence on Jan. 1, 2015, only 341 were still in existence on June 30, 2025. That is a failure rate of 75%. The failed funds were either liquidated or merged away into other funds.
As you know, Triune’s investment philosophy is focused on owning an intentionally designed and globally diversified portfolio of public companies. With this approach, you are buying into some of the best businesses in the world—companies that are innovating, generating profits, and competing every single day. You’re getting all of that with full transparency, daily liquidity, and historically strong long-term returns that have a track record of rewarding patient investors.
Our encouragement to you is this: don’t get distracted by the shiny objects, and don’t let the FOMO push you into decisions that aren’t aligned with your long-term plan.
Our job is to keep you on track, focused on what works, and patient through the noise.
If you have questions or feel like you’re being pulled by all the chatter out there, give your Triune Advisor a call—We’re here to talk it through with you.
Thanks for watching, and let’s stay disciplined together.
Sources: https://fortune.com/2017/12/30/warren-buffett-million-dollar-bet/?utm_source=chatgpt.com