The News, the Noise, and Your Money
中文标题
新闻、噪音与你的财富
Core conclusion · Tlines extraction
Charles Schwab's commentary advises investors to focus on facts and long-term plans rather than sensationalized news, emphasizing the importance of time horizons and staying invested despite market volatility.
- Institution
- Charles Schwab
- Published
- 09/02/2026
- Research topic
- Investment Planning · US Equities · Election Impact
- Time horizon
- long_term · short_term
Key arguments
- Historical data shows investors who stick to their plan tend to have better wealth outcomes over time.
- Planning for three years of anticipated expenses can help you stay on track during market downturns.
- Election years historically have not significantly impacted S&P 500 returns (7.3% vs 8.8% in non-election years).
- Staying invested is critical; missing the exact right time to re-enter can cost future growth.
- Control what you can: savings, spending, asset allocation, costs, and taxes.
Key numbers
- Average S&P 500 return in election years (1960-2023)
- 7.3%
- Average S&P 500 return in non-election years (1960-2023)
- 8.8%
Main risks
- Market volatility may cause emotional reactions leading to poor investment decisions.
- Not staying invested risks missing the rebound, which can be disastrous for long-term goals.
- Sensationalized news can heighten fear and lead to irrational choices.
Corresponding source evidence
history shows that investors who stick to their plan and have a portfolio based on their capacity and tolerance for risk tend to have better wealth outcomes over time.
· long_termWhen the Schwab Center for Financial Research looked at annual returns of the S&P 500 Index from 1960 to 2023, it was found that the average return in presidential election years was 7.3%, and the average return during non-election years was 8.8%, which is not statistically significant and can't necessarily be attributed to the fact there was an election.
· long_termSimply put, elections likely don't matter to your portfolio long-term.
· long_term
Conditions / invalidation
- If you have an emergency fund, you are better prepared for unexpected events.
- If you won't need the money for at least three years, you may tolerate more volatility.
- If investors act on fear from sensationalized news, they may make poor decisions.
Context: the conclusion is Tlines' automated extraction, not the institution's wording. Quoted evidence is publisher wording. Scope and date must travel with the conclusion.
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AI analysis
Cross-institution comparison · SPX
| Institution / report | Published | Direction | Source-checked target | Horizon |
|---|---|---|---|---|
| Charles SchwabThe News, the Noise, and Your Money | 09/02/2026 | Bullish | — | Not stated |
| Saxo BankMarket Quick Take - Chipmakers extend their slide as Brent holds above 107 | 10/19/2026 | Bearish | — | Not stated |
| Saxo BankTesla earnings the median says small the average says big What do options price | 10/19/2026 | Neutral | — | Not stated |
| Saxo BankCorrelation falls the index stays quiet - Options Brief | 10/16/2026 | Neutral | — | Not stated |
How this page was produced
Tlines extracted the conclusion, arguments, numbers and risks above from the report published by Charles Schwab on 09/02/2026, then structured them for comparison. The publisher's own wording is reachable through the source link on this page and is displayed in full above. Last updated 10/17/2026. Methodology · Source policy · AI usage · Request a correction