💸 Money Cheat Sheet: Monthly Market Insights

Read CIO Dr. Sylvia Kwan’s analysis.  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 
 
Ellevest
What the Elle logo
 

This week’s money mood: In the know️

I’ve worked in the investing industry for more than 30 years, and I know just how uncomfortable it can be when the markets behave the way they did in the first half of this year.

While our advice doesn’t change — it’s still to invest consistently for the long-term, regardless of market movements — I and the whole team here at Ellevest are here to make sure you have the information you need to feel confident and informed. So below, you’ll find our monthly recap of what happened in the markets recently (and why).

Right there with you,

Dr. Sylvia Kwan, she/her
Chief Investment Officer

 
The outline of a stock market chart with arrows and financial symbols floating around, and a label that says “June + July market insights.”

We’re halfway through 2022 (!). How are the markets doing?

Spoiler: the news isn’t … great. Still, understanding the why — why markets are down, why inflation is up, why the Fed raising rates is supposed to fix that — will help you stay on top of your investments in a (frankly) chaotic time.

GET THE LATEST >

 

soft land•ing

When a government (ie, the Federal Reserve) pumps the brakes on economic growth (usually via interest rates, in the Fed’s case) to curb runaway inflation *without* triggering a recession.

 

Q: Should I take my money out of my investment account to make sure I don’t lose it?

A: Historically, trying to guess whether it’s the “right” time to invest hasn’t been a good strategy. The markets might fall again tomorrow, or they might go up a lot. We simply can’t know — no one can. That’s why we recommend adding to your investment account regularly — even when the markets are down. You’ll end up investing during both good markets and “bad” markets, and it can all average out in the end. This approach is called dollar-cost averaging. (Plus, when the stock market is down, stocks cost less to buy. That could be great for your bottom line if the markets go back up again — as they have in the past, over time.)

 
A web search bar showing the words “market volatility.” Speech bubbles float around.

How to spend a lunch break:

Next Friday’s Ellevest Explains: Market Volatility. 30 minutes dedicated to answering your Q’s.



SAVE YOUR SPOT >

 

$$ win of the week

“I have reached a major financial goal of having an emergency fund large enough to cover a year’s worth of expenses for both myself and my husband.”

— Meagan, an Elle Raiser from Tucson, AZ

What about you? Tell us about your latest win (big or small!) here.

 

News & noteworthy

One silver lining to crypto’s recent nosedive: The amount of energy routinely used to mine the currency has also plummeted.

In a perfect world, you shouldn’t need a side hustle. But that’s easier said than done: One recent survey found that 41% of people currently rely on them for basic living expenses.

File under “oh, no”: A McKinsey poll of 25,000 American workers found that 61% of men have been offered the opportunity to work remotely … compared to just 52% of women. 🙃

The Fed’s meeting minutes from last month suggest that another rate hike, of either 0.50% or 0.75%, may be coming in July. (Here’s a refresher on what that means.)

Beyoncé is taking no chances with collaborators on her new album. Renaissance is looking more and more like a safe space.


 

Learn all about Ellevest’s membership at our next intro session, Monday at 7 PM ET.

 SIGN UP, IT’S FREE 

This week’s newsletter was brought to you while breaking those chains that bind you. Forward it to your friends who also think Chrissy should wake up.

FOLLOW US

MAGAZINE

STORE

DISCLOSURES
 
All opinions and views expressed by Ellevest are current as of the date of this writing, for informational purposes only, and do not constitute or imply an endorsement of any third party’s products or services.
The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice.
The information provided does not take into account the specific objectives, financial situation, or particular needs of any specific person.
Investing entails risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time.
Banking products and services are provided by Coastal Community Bank (“Coastal”), Member FDIC, pursuant to license by Mastercard International. Your Ellevest Spend and Ellevest Save account deposits will be insured to the regulatory limits by the FDIC through Coastal Community Bank, Member FDIC.
Funds held in your Ellevest investment accounts are not FDIC insured, not guaranteed by Coastal, and may lose value. Ellevest does not guarantee investment performance.
Ellevest Membership fees are as follows: Ellevest Essential is $1 per month, Ellevest Plus is $5 per month, and Ellevest Executive is $9. Other fees as described in Ellevest’s Wrap Fee Program Brochure and the Ellevest Membership Terms and Conditions Agreement will continue to apply.
 
 
 

Older messages

👩‍⚖️ I Testified About “Tech Bro Culture”

Wednesday, July 6, 2022

Plus, managing your money during inflation. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

📍 New Summer Schedule Just Dropped!

Tuesday, July 5, 2022

Including our *new* Ellevest Explains: Dealing with Inflation. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

💸 Money Cheat Sheet: In This Economy?

Thursday, June 30, 2022

Smart money moves to make during uncertainty. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

Opinionated: What We Can Do Beyond Voting

Tuesday, June 28, 2022

Plus, the economic case for abortion access. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

🤔 Opinionated: Are We Going Into a Recession?

Wednesday, June 22, 2022

Here's what Chief Investment Officer Dr. Sylvia Kwan has to say. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

Longreads + Open Thread

Saturday, September 24, 2022

Russia, Japan, Documentaries, Financial Engineering, Pollen, Grocery ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

An appeals court decision against Donald Trump came back to bite MyPillow CEO Mike Lindell in a separate case

Saturday, September 24, 2022

A day-old appeals court decision against Trump boomeranged to work against MyPillow CEO Mike Lindell, a prominent ally of the former president. View in browser Business Insider Business Insider

Inflation’s costly fight

Saturday, September 24, 2022

Bloomberg Weekend Reading View in browser Bloomberg Follow Us Get the newsletter Central banks from Ulaanbaatar to Pretoria and Washington to London have unleashed aggressive tightening to combat some

The ‘sham’ votes begin

Friday, September 23, 2022

Bloomberg Evening Briefing View in browser Bloomberg In what have been labeled by Ukraine, the US, NATO and others as “sham” votes, Kremlin forces and Moscow-aligned rebels in four occupied territories

Harnessing the Power of Insurance

Friday, September 23, 2022

Plus: Inflation, Market Stress, Payment for Order Flow ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

Elon Musk says SpaceX avoids using patents to build rockets because they're for the 'weak' and block innovation

Friday, September 23, 2022

Elon Musk told CNBC that patents were normally used as a "blocking technique" and prevented other companies from advancing. View in browser Business Insider Business Insider Business Insider

Wall Street: The party’s over

Friday, September 23, 2022

The latest in finance. View in browser INSIDER INSIDER Subscribe 10 THINGS ON WALL STREET Hi. Aaron Weinman here. Performance reviews are back. Hiring has slowed. And Wall Street's most influential

The Daily StockTips Newsletter 09.23.2022

Friday, September 23, 2022

(Published 7:30 AM ET MON-FRI) ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

[New post] Trapped in a web of debt? Inefficiencies from corporate debt and the potential case for macroprudential intervention

Friday, September 23, 2022

BankUnderground posted: " Emily Clayton and Martina Fazio Debt creates threads between the financial system and the real economy. These threads transmit shocks across a web of connections, meaning

🥶 Brits get a hike and a recession

Thursday, September 22, 2022

Bank of England hikes rates and acknowledges recession | US and allies try to outstrip Chinese tech | TOGETHER WITH Hi Reader, here's what you need to know for September 23rd in 3:07 minutes. 👻