{"id":15351,"date":"2020-10-13T09:24:19","date_gmt":"2020-10-12T22:24:19","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=15351"},"modified":"2020-10-13T11:46:59","modified_gmt":"2020-10-13T00:46:59","slug":"investment-beliefs","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/investment-beliefs\/","title":{"rendered":"Why were you so wrong?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"15352\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/investment-beliefs\/why-were-you-so-wrong-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/10\/WHY-WERE-YOU-SO-WRONG-Email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"WHY-WERE-YOU-SO-WRONG-Email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/10\/WHY-WERE-YOU-SO-WRONG-Email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/10\/WHY-WERE-YOU-SO-WRONG-Email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/10\/WHY-WERE-YOU-SO-WRONG-Email.png?resize=1000%2C250&#038;ssl=1\" alt=\"beliefs\" class=\"wp-image-15352\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/10\/WHY-WERE-YOU-SO-WRONG-Email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/10\/WHY-WERE-YOU-SO-WRONG-Email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2020\/10\/WHY-WERE-YOU-SO-WRONG-Email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Have you ever had a strong opinion (belief) about investment markets which was subsequently proven to be incorrect? A recent example was when many people predicted borrowers would be forced to sell their properties due to the Covid lockdowns and the market would crash. This outcome now seems unlikely.<\/p>\n\n\n\n<p>It is my view that a humble mindset is the best way to avoid being blindsided by unexpected investment risk, whilst at the same time spotting all opportunities. Let me explain.<\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/743661?theme=light&#038;enable-volume=true\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\">Predicting the end of the world isn\u2019t a risky endeavour<\/h3>\n\n\n\n<p>Robert Glazer wrote about the concept of cognitive dissonance in his recent <a href=\"https:\/\/www.robertglazer.com\/friday-forward\/cognitive-dissonance-confirmation-bias\/\" target=\"_blank\" rel=\"noreferrer noopener\">blog<\/a>:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><em>\u201c\u2026 the authors examined the followers of cult leaders who predicted that the world was going to end on a specific date, and told everyone to prepare. When that day passed without a fiery inferno, you may have expected these cult leaders to have lost all credibility with their followers.<\/em><\/p><p><em>Instead, the exact opposite happened. The leaders simply declared their prediction was incorrect and declared a new date. Like clockwork, their followers doubled-down and began preparing for the next apocalypse.<\/em><\/p><p><em>Why would they do this? According to Tavris and Aronson, it was likely too painful for the cultists to admit they had fallen for a fraudulent prophecy. It was easier to avoid interrogating their own judgment, and to instead dig a deeper hole of delusion for themselves.\u201d<\/em><\/p><\/blockquote>\n\n\n\n<p>This shows the danger of holding strong opinions and leaving no room for the possibility that you could be wrong, particularly when you are investing money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Perpetual property bears seem to ignore the evidence<\/h3>\n\n\n\n<p>There are two prominent commentators that have been perpetually bearish about the Australian property market since I started ProSolution in 2002.<\/p>\n\n\n\n<p>They are Martin North from Digital Financial Analytics and economist Dr Steve Keen, who is now working in London. Of course, there are others but these two stand out in my mind.<\/p>\n\n\n\n<p>They have both been outspoken and incorrectly predicted property price crashes on a number of occasions. In fact, I recall watching Dr Keen on the TV program, Sixty Minutes in 2008 telling all Australian\u2019s to sell their property. Apparently, he even sold his apartment. He predicted that prices would crash by 40% between 2008 and 2010. He was so certain. Of course, he was wrong.<\/p>\n\n\n\n<p>People that hold perpetually negative views, that leave no room for the possibility they could be wrong and ignore all the evidence, lack credibility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Financial advisors that hold strong beliefs are also dangerous<\/h3>\n\n\n\n<p>I know some advisors that hold very strong beliefs about the methodologies they utilise. They believe their way is <em>right<\/em> and everyone else is <em>wrong<\/em>.<\/p>\n\n\n\n<p>Whilst I admire their conviction, such strongly held beliefs are dangerous. In life, things are rarely that black and white. There\u2019s almost always some nuance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hold strong opinions, loosely<\/h3>\n\n\n\n<p>The saying \u201chold strong opinions, loosely\u201d perfectly suits investing. You should have a strong conviction in the robust investment strategy you adopt, especially since it should be supported by sound, evidenced-based methodologies. However, at the same time, you must leave room for the possibility that you could be wrong. That every investment you make may not work out how you had hoped.<\/p>\n\n\n\n<p>This humble mindset will greatly reduce the risk that you will be blindsided by unexpected risks. It will also ensure you spot investment opportunities that you may not otherwise see.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Beware of confirmation bias<\/h3>\n\n\n\n<p>Confirmation bias is a tendency to look for, and take notice of, information or evidence that supports our beliefs. When it comes to investing, confirmation bias is dangerous.<\/p>\n\n\n\n<p>The best way to avoid confirmation bias is to force yourself to argue for the opposite case. For example, when I wrote in May that property values wouldn\u2019t fall materially, I forced myself to think of all the reasons why there could be a property crash. I pretended to debate myself.<\/p>\n\n\n\n<p>I do that with economists and portfolio managers that I meet too &#8211; I argue for views that are opposite to mine e.g. why the US tech sector isn\u2019t overvalued (BTW, I think it is!). Being the devil\u2019s advocate allows you to test your own views and to not get sucked into confirmation bias. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What strongly held views do you hold? And are they limiting your investment options?<\/h3>\n\n\n\n<p>Here\u2019s some examples of beliefs held by people I have met over the years:<\/p>\n\n\n\n<ul><li><em>Investing in shares is risky.<\/em><\/li><li><em>All financial advisors are greedy and should not be trusted.<\/em><\/li><li><em>Property is over-valued and cannot generate double digit returns in the future.<\/em><\/li><\/ul>\n\n\n\n<p>It is my view that none of these beliefs are correct in absolute terms. For example, some share investing methodologies are high risk. But there are lower risk methodologies too. &nbsp;<\/p>\n\n\n\n<p>It is good to regularly test your own beliefs and look for evidence to the contrary, as they could be costing you in terms of missed opportunities or exposing you to unnecessary risk. <\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>Have you ever had a strong opinion (belief) about investment markets which was subsequently proven to be incorrect? A recent example was when many people predicted borrowers would be forced&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why were you so wrong? Maybe your beliefs are wrong?<\/title>\n<meta name=\"description\" content=\"Our beliefs about investments shape our decisions about money. 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