Article
Ten-Year Tenure
The ebbs and tides of the markets
While there's no definitive "10-year cycle" in the stock market, there is historical evidence to suggest that the stock market tends to exhibit a pattern over rolling 10-year periods, with a tendency towards positive long-term growth. Since many investment instruments are indexed to the stock market in some way, this phenomenon is a good predictor of expected long-term performance. For low-risk investment instruments, plan to have the funds tied up for more than 10 years. This is especially true for retirement savings, especially for younger investors.
The best time to start investing was yesterday, the next best time is today
A financial advisor is a licensed professional who provides financial advice. Their advice or products must be suitable for their clients, however there is no legal standard they must abide by. Nearly anyone can say they are financial advisors of some kind.
A fiduciary has a legal and ethical obligation to put their clients' interests first.
So, while financial advisors may offer a wide range of services, they may not always act in their client’s best interest, whereas a fiduciary must act in their client’s best interest.
Page Last Updated: 15 June 2025
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