McBeath Financial - September/October 2020

Do What You Love and Keep Your Body Moving

How HIIT Benefits People of All Ages

High-intensity interval training (HIIT) is one of the best ways to burn fat, build muscle, and give yourself a better chance at a longer, healthier life. HIIT workouts are characterized by brief periods (30 seconds to a few minutes) of high-intensity exercise, followed by periods of low- or moderate-intensity exercise. However, what makes these workouts truly remarkable is just how much they can benefit people in every age group.

cells. By energizing your cells, you can actually reverse the decline in muscle health that occurs as people age. Energizing cells through HIIT benefits everyone, but these workouts can be of particular benefit to those over age 65. Seniors experience diminishing returns on energy produced by their bodies at a cellular level, and HIIT has been shown to reverse that process even in advanced age. HIIT workouts also have many other advantages for people of all ages. The exercises don’t necessarily require any equipment, and you can even see results from adding high-intensity intervals to daily walks. Those with health conditions, such as diabetes and heart disease, can still participate in HIIT. In fact, Healthline reports that HIIT workouts can reduce heart rate, blood pressure, and blood sugar. However, the biggest draw to HIIT exercises is just how much of a timesaver they are. A few minutes of high-intensity movement can be just as beneficial as roughly 45 minutes of moderate-intensity exercise. You can incorporate HIIT exercises into whatever activities you enjoy, such as walking, cardio exercises, and strength training. If you’re affected by weak joints, you can incorporate HIIT into lower impact exercises, such as swimming or cycling. If you want to feel energized while doing the things you love, then HIIT just might be something you want to try. Just remember to keep a steady pace and don’t overdo it!

According to Mayo Clinic research, HIIT workouts provide unique benefits to the body on a cellular level. The brief, vigorous exercises actually increase your metabolism and improve the health of mitochondria, the powerhouses that create energy within the

The Ripples of Decision 2020

Will the Upcoming Election Affect My Portfolio?

The 2020 election cycle is in full swing, and as is the case in most presidential elections, the candidates are talking about the economy. It’s common to hear rhetoric about what may or may not happen should one candidate be elected over the other, but you may be wondering what this means for you. Will the outcome of the election impact your portfolio? Should you worry about the election or change your allocation to protect yourself?

can happen in any year. The market is more driven by investor concerns and economic conditions.

Focus on the long term. Your investment strategy was designed for the long term, and you’ll likely see times of temporary market volatility. For example, correction markets are downturn losses of 10% or more, which typically only last for about four months. Bear markets, another form of a downturn, can equate to 20% or larger losses and typically last for 13 months. A recovery period, which could take up to twice as long, can be expected after each downturn. It may be tempting to make an impulsive decision during these periods, but investors who pull their money out based on their gut feelings alone, without focusing on the long-term benefits of market commitment during volatility, can miss out on better performance.

Below are a few reminders to help you find peace of mind amidst election fatigue.

Keep history in perspective. When one story, like the presidential election, dominates the news, it’s easy to focus on that solely. But if we zoom out of the present, we realize that the stock market has been through many presidential elections, and it’s done pretty well. In fact, since 1928, there have been 23 presidential election years, and in 19 of those, the S&P 500 had a positive return. The four negative instances correlated with big events, like the Great Depression, World War II, and the dot-com bubble burst.

If this election year has you considering the future of your portfolio, we can help you develop a strategy to give you confidence in your portfolio approach. Call McBeath Financial Group today, and let’s talk about what you need.

It’s uncertain just how much of an effect COVID-19 will have on this year’s election and market correlation, but the takeaway is that market declines

2 McBeathFinancialGroup.com

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