September is here, and historically, it's been a tough month for the stock market. With the past four September’s S&P 500 seeing declines of -4.9%, -9.3%, -4.8%, and -3.9%, it's clear that this month tends to be a rough ride for investors. But as the saying goes, a picture is worth a thousand words Take a look at Figure 1: Beware and Be Prepared. September averages out to a doozy—while we can't control the future, we can certainly be prepared for it.

Figure 1 Beware and/or Be Prepared[i]

Some have asked about hedging against such volatility. Especially since it seems like a higher than usual probability event. Unfortunately, it’s not that easy and it is that expensive. This will vary depending on the exact circumstances of each client and we are open to talking about how to mitigate fall volatility if there is a specific need for your situation. Please let us know if would like to discuss. Otherwise, enjoy what will hopefully be some awesome fall weather and a little bumpiness in the stock market.

As summer ends and routines kick back in, the market's weakness this September might just present us with some buying opportunities. I'm ready with my finger on the trigger, hoping for stocks to get cheaper. Let’s stay sharp and look out for the best investment opportunities this month.

Here's to a great September—stay vigilant and proactive!

[i] https://www.marketwatch.com/story/september-is-historically-the-worst-month-for-u-s-stocks-what-investors-need-to-know-4b5fd927

Investment advisory services offered through Member's Wealth, LLC, a registered investment advisor. The Dow Jones Industrial Average (DJIA) is a stock market index of 30 prominent companies listed on stock exchanges in the United States. The S&P 500 index is designed to be a broad based unmanaged leading indicator of U.S. equities and is meant to reflect the risk/return characteristics of the large cap universe or representative of the equity market in general. The National Association of Securities Dealers Automated Quotations (NASDAQ) is an American stock market that handles electronic securities trading around the world. The Russell 2000 index is an index measuring the performance of approximately 2,000 small-cap companies in the Russell 3000 Index, which is made up of 3,000 of the biggest U.S. stocks. The Russell 2000 serves as a benchmark for small-cap stocks in the United States. Visit www.russell.com/indexes/ for more information regarding Russell indices. The MSCI EAFE Index is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the US & Canada. The MSCI Emerging Markets Index is a free float-adjusted market capitalization index that is designed to measure equity market performance in the global emerging markets. The Bloomberg US Aggregate Bond Index, is a broad base, market capitalization-weighted bond market index representing intermediate term investment grade bonds traded in the United States.

About the Author – Dane Czaplicki, CFA®

Dane Czaplicki is CEO of Members’ Wealth, a boutique wealth management firm that offers a comprehensive approach to serving individuals, families, business owners, and institutions. The firm’s goal is to preserve and grow its clients’ wealth to endure over time, while thoughtfully evolving its strategy to suit an ever-changing world. With over 20 years of wealth management experience, Dane and the Members' Wealth team thrive on bringing clarity and confidence to clients' unique situations. He believes everyone needs sound financial advice from someone whose interests are aligned with theirs, and is determined to put service before all else.

Dane received his MBA from The Wharton School of Business at the University of Pennsylvania and his bachelor’s degree from Bloomsburg University. Outside work, he enjoys spending time with his wife and kids, hiking and camping, reading, running, and playing with his dog. To learn more about Dane, connect with him on LinkedIn.

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