Investment Behaviors That Can Hurt Your Retirement | The Matter Financial Report Ep. 22

In this episode of The Matter Financial Report, Michael Matter of The Matter Financial Group discusses seven investment behaviors that can quietly hurt retirees and undermine long-term retirement plans. Michael and Tony Shore explore why holding too much cash, trying to time the market, ignoring tax efficiency, chasing yield, failing to rebalance, reacting to short-term news, and neglecting to adjust your strategy over time can create costly challenges in retirement. Retirement planning is not just about saving money. It is about making thoughtful decisions with your investments, withdrawals, taxes, risk tolerance, and income strategy as your life changes. Michael explains how a personalized financial plan can help retirees stay focused, reduce emotional decision-making, and better prepare for the years ahead. Have questions about your retirement strategy or investment plan? Contact The Matter Financial Group today. Timestamps: 00:01 - Welcome to The Matter Financial Report 00:37 - Investment behaviors that can undermine retirement 01:01 - Seven behaviors that hurt retirees the most 01:42 - Why emotions can derail retirement decisions 02:29 - Michael shares family and summer updates 03:26 - Advisor conferences and learning from industry peers 05:37 - Why retirement investing is different from saving 06:27 - The risks of taking control of retirement accounts 07:29 - Behavioral mistakes can create long-term costs 08:19 - Behavior 1: Holding too much cash out of fear 09:23 - Giving cash a clear purpose in your plan 10:37 - Strategy versus emotion in retirement decisions 10:58 - Behavior 2: Trying to time the market 12:36 - Why missing the best market days can hurt returns 13:40 - Volatility versus permanent loss 14:42 - Behavior 3: Ignoring tax efficiency with withdrawals 15:47 - Planning before RMDs and Medicare premium impacts 16:30 - How RMDs can affect taxable income 17:42 - Behavior 4: Chasing yield without understanding risk 18:30 - Why total return matters more than headline yield 19:31 - Matching investments to your risk tolerance 20:32 - Behavior 5: Failing to rebalance consistently 21:59 - Reviewing risk tolerance and portfolio allocation 22:28 - Using withdrawals as part of a rebalancing strategy 23:11 - Behavior 6: Overreacting to short-term news 24:26 - Creating a written plan for volatile markets 25:39 - Using risk assessments to guide decisions 27:06 - Behavior 7: Neglecting to adjust strategy over time 27:53 - Why rules of thumb may not fit your retirement plan 29:25 - Retirement plans should evolve with your life 29:56 - How to contact The Matter Financial Group 📞 Have questions? Need advice? Contact Michael Matter at The Matter Financial Group to schedule a consultation today! 👉 Call us at (916) 469-9016 👉 Visit us at https://thematterfinancialgroup.com/ Don't forget to subscribe to our YouTube channel for more financial tips and insights! #TheMatterFinancialGroup #Finance #Sacramento #FinancialProfessional Michael Matter offers investment advisory services through Gradient Advisors, LLC, an SEC-registered investment adviser. The Matter Financial Group is not a registered investment adviser and is not affiliated with Gradient Advisors, LLC. The Matter Financial Group, Michael Matter, and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any federal or state government agency. This program is produced by Luson Media. Michael Matter compensates Luson Media for production services. This co-host is a salaried employee of Luson Media, is not a registered investment adviser, and does not provide investment, tax, or legal advice. The information presented is for educational purposes only and should not be considered personalized investment, tax, legal, or financial advice. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Insurance products are offered through Michael Matter as a licensed insurance agent and are separate from advisory services offered through Gradient Advisors, LLC. Content also is not a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state(s) Michael Matter is registered or where otherwise legally permitted. Do not post reviews or testimonials. Likes should not be considered an endorsement of the investment advisory services offered by Michael Matter and/or Gradient Advisors, LLC. Before making any financial decisions, consult with qualified financial, tax, and legal professionals regarding your individual circumstances. For more information and full disclosure, please visit thematterfinancialgroup.com.