Investing in 2025: Sensible Market Strategies with Joseph Hogue

Discussing the hot button investing topics of 2025 with “Let’s Talk Money!” advisor Joseph Hogue.

As a financial advisor, I often encounter questions that range from timing the stock market to whether retirees should invest in cryptocurrencies. There is a lot of confusing information available to anyone interested in exploring the multitude of investing options available in today’s market–so how do you know what is right for you?

I sat down with Joseph Hogue, host of the popular YouTube channel “Let’s Talk Money!” to discuss a wide variety of common questions and potential pitfalls that trip up unsuspecting investors every day. If you have felt overwhelmed–or overly confident–about throwing your money into cryptocurrency or other emerging investment opportunities as a part of your retirement plan, this episode is for YOU!

Dividends and Stability in Uncertain Markets

Joseph kicked off the discussion by highlighting the value of dividends during market downturns. He emphasized that dividends provide not only financial stability but also a psychological boost for investors. “When the market drops,” Joseph noted, “having cash flow from dividends can help you stay motivated and even take advantage of new opportunities.”

This aligns with my own philosophy: dividends are a reliable source of income that can sustain your portfolio through volatile times. For retirees, in particular, the steady stream of income from dividends can serve as a buffer against market unpredictability.

Cryptocurrency: A Cautious Perspective

The conversation then shifted to the hot topic of cryptocurrency. Joseph admitted that while crypto has generated a lot of excitement, it’s not an area he actively invests in. He explained that his initial enthusiasm for blockchain and Web3 technologies waned when practical use cases failed to materialize.

“If Bitcoin is only a store of value,” Joseph said, “it’s not as compelling to me compared to stocks of companies generating profits and growing revenues.”

He also discussed the difficulty of valuing cryptocurrencies, which often rely on network effect models like Metcalfe’s Law. This makes crypto investments inherently speculative, a point Joseph was keen to stress. While he didn’t dismiss crypto entirely, he recommended that investors limit their exposure—advice I wholeheartedly agree with. If you’re considering crypto, keep it to no more than 5-10% of your portfolio and do your homework.

Avoiding the Hindsight Trap

Joseph also warned against the allure of hindsight-driven regret. Too often, investors fixate on past success stories—whether it’s Bitcoin, Tesla, or Nvidia—and feel compelled to chase the next big thing. “People see these examples and think, ‘If only I had invested back then, I’d be a millionaire.’ But they don’t consider the risks,” he explained.

This tendency can lead to over-concentration in one asset, a risky move that frequently results in significant losses. Joseph’s advice? Diversify. Limit your exposure to any single investment and avoid putting all your eggs in one basket. This strategy may temper your potential gains, but it also safeguards your financial future.

Lessons from Renaissance Technologies

One of the most compelling parts of our discussion was Joseph’s mention of Renaissance Technologies, a highly successful hedge fund. Renaissance’s focus is not on maximizing gains but on minimizing risk.

“They don’t ask, ‘How much did you make today?'” Joseph shared. “Instead, they ask, ‘How much do you have at risk?'”

This risk-aware mindset is something every investor can learn from. Diversification, risk management, and a focus on the long-term are key principles that can help you navigate volatile markets while preserving your wealth.

Market Timing: A Futile Endeavor?

We closed the conversation with a discussion about market timing—an idea Joseph and I both approach with skepticism. He emphasized that timing the market is nearly impossible on a daily, monthly, or even annual basis. Instead, he focuses on macro trends and sector-level investments, staying the course for several years at a time.

“Rather than trying to predict daily market movements,” Joseph advised, “identify major economic themes and stick with them.”

This resonates deeply with my own experience. Predicting short-term market movements is not only challenging but often counterproductive. By focusing on long-term trends and maintaining a diversified portfolio, you can position yourself for sustainable success.

Next Steps

Joseph Hogue’s insights underscore the importance of a disciplined, risk-aware approach to investing. Whether it’s leveraging dividends, being cautious with cryptocurrencies, or avoiding the pitfalls of market timing, his advice serves as a valuable guide for retirees and long-term investors alike.

Investing in retirement is a journey that is made easier with someone walking alongside you. If you’re ready to figure out what investments make sense for the retirement you want to build, reach out using the links below!

Don’t forget to leave a rating for the “Retirement Revealed” podcast if you’ve been enjoying these episodes!

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Additional Links:

• Let’s Talk Money! – Joseph Hogue on YouTube
• Let’s Talk Money Newsletter
• Die with Zero Book Review – Mr. Retirement YouTube
• LinkedIn – Joseph Hogue

Connect With Jeremy Keil:

• Keil Financial Partners
• LinkedIn: Jeremy Keil
• Facebook: Jeremy Keil
• LinkedIn: Keil Financial Partners
• YouTube: Retirement Revealed
• Book an Intro Call with Jeremy’s Team

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