Do We Really Know Our Financial Selves?

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financial behavior, risk profiling, risk tolerance, financial researchWith the progress of technology we have got used to instant gratification. We use the internet to research whatever grabs our immediate attention and we use social media to pass this information on. Similarly Reality TV has become a staple in many peoples everyday activity ? they watch it, they talk about it and they share commentary through social media. Whether we like it or not short term focus is the order of the day. And maybe it shouldnt be. Longer term perspectives and rational thinking to focus on what is really important is becoming harder to do, especially if you a trend follower of one sort or another.

Nowhere is this more obvious than in the area of personal financial matters.

Every so often, stock markets crash. Technically this should always start with economic reassessment but more often than not such falls get exaggerated by investor overreaction to the information at hand. Sometimes investors think that If everyone is selling the market then I should as well Such following of the herd, so to speak, is quite common and is fed primarily by the financial media. Nothing sells like a bad story ? Markets have fallen by xx%. investors fleeing the market and so on.

Once markets bounce back, you will rarely see anything similar in media coverage terms to the upswing. It isnt traumatic or sensational enough to grab our attention. This herd mentality to aversion is usually fed by instinctive reactions of investors where especially in adversity we tend to make decisions quickly and emotionally. But not rationally.

But of course once shares are sold, the financial position is crystallized. Then, as it is wont to be, the market creep back up happens almost anonymously in dribs and drabs. A quarter of percent here, half a percent there and before you realize the market occasionally jumps by one or two percent in a day. The losses have been reversed and so a wealth accumulation opportunity has been lost out on. Blink and youve missed it.

The financial media can also appear to provide expertise. In the US there are no shortages of financial pundits who will expound the virtues of particular stocks or investment strategy, so much so that they are almost entertainment in their own right so outrageous are some commentators statements. This can lead viewers to become over confident, thinking that they can be more successful at investing than they really can. Hand in hand with this is an optimism bias and an exhilaration got by investing in a certain way even if they know it is difficult to be successful.

behavioral finance, risk profile, financial dna, risk tolerance, investment riskOver the years I have got plenty of client phone calls in times of market turbulence but thankfully these numbers have become less and less as time moves on. This reducing number isnt due to a reducing client bank ? we have tripled the amount under advisement in the last five years ? it is due to our emphasis on making clients understand themselves first and then the markets second. Client behavioral education is a keystone of our approach in advising clients. If people appreciate themselves and their deep rooted financial preferences they can then make informed choices about the issues that they can control rather than those they cant, namely the reactions of others to stock markets.

By focusing on their own needs which are usually long term rather than the short term noise of financial media real benefits accrue. Market rises arent missed out and additional trading expenses arent incurred. Patience and calmness are real virtues that are often overlooked and undervalued.

Eamon is a Human Behavior integrator at DNA Behavior, and one of Irelands leading independent fee based financial planners. His single goal is to help clients make wise decisions with their money now and for the rest of their lives especially in the areas of investing and retirement planning.

Visit the DNA Behavior website to learn more about managing financial behavior and risk through greater self awareness.

Eamon Porter

Eamon Porter

Eamon Porter

As one of Ireland's leading independent fee based financial planners my single goal is to help clients make wise decisions with their money now and for the rest of their lives, especially in the areas of investing and retirement planning. I am also a recognised thought leader in the financial services industry on behavioural finance and practice management strategies that leverage human behavioural insights.

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