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Tens of thousands of people turn to Google every month to see if now is the time to invest. It’s a loaded question, especially this year: In late February 2020, the S&P 500 began a monthlong decline, finding what investors hope was the pandemic floor on March 23.Historically, it has taken an average of about two years for the market to recover from a crash; this time, it bounced back in just 149 days. By the end of August, the index was once again hitting record highs.Stranger still, this unprecedented recovery came amid dour headlines, with U.S. unemployment hitting an all-time high in April and remaining above 10% through July.Between the stock market’s erratic behavior and economic uncertainty across the globe, investors are understandably wary. But that shouldn’t mean sitting out of the market.Understanding the Main Street-Wall Street disparityThe market’s recovery is clearly at odds with the U.S. economy. But a closer look shows this imbalance may not be as perplexing as it seems.The stock market reflects investor sentiment about the future, not what’s happening right now. While retail investors may be more inclined to buy and sell based on daily headlines, institutional investors are looking far ahead. And given the rapid market recovery (and the expectation of continued help from the Federal Reserve), it appears Wall Street isn’t spooked.The S&P 500 is also market cap-weighted, meaning larger companies will have a bigger impact on its performance (see how the S&P 500 works to learn more about this). The five largest companies in the index (Apple, Microsoft, Amazon, Facebook and Google’s parent company Alphabet) are in tech, an industry that hasn’t been hit as hard by COVID-19. The tech-driven recovery helped push the S&P 500 to its record high, despite the ongoing economic issues caused by the pandemic.And then there are the high hopes for an eventual vaccine. According to Robert M. Wyrick Jr., managing member and chief investment officer of Post Oak Private Wealth Advisors in Houston, investors may be betting on the belief that a coronavirus vaccine will be produced sooner rather than later. If and when a viable vaccine is broadly available, it’s likely to be a big driver of continued growth in the markets.“While this is likely already priced into the market to some degree, I would prefer not to be on the sidelines when this ultimately happens,” says Wyrick, whose firm specializes in advanced risk-managed investing.Timing the market vs. time in the marketAccording to Marguerita Cheng, a certified financial planner and CEO of Blue Ocean Global Wealth in Gaithersburg, Maryland, when you start investing isn’t as important as how long you stay invested. And that’s a maxim to remember in a pandemic, too.“The best way to build wealth is to stay invested, but I know that can be challenging,” Cheng says in an email interview.It’s easier if you invest only for long-term goals. Don’t invest money you may need in the next five years, as it’s highly possible the stock or mutual fund you purchase will drop in value in the short term. If you need those funds for a large purchase or emergency, you may have to sell your investment before it has a chance to bounce back, resulting in a loss.But if you’re investing for the long term, those short-term drops aren’t of much concern to you. It’s the compounding gains over time that will help you hit your retirement or long-term financial goals. (See how compounding gains work with this investment calculator.)The water’s fine, but wade in slowlyOne of the best strategies to remain calm and stay invested during periods of volatility is a technique known as dollar-cost averaging.Through this approach, you invest a specific dollar amount at regular intervals, say once or twice a month, rather than trying to time the market. In doing so, you’re buying in at various prices that, in theory, average out over time.Wyrick notes this is also an excellent strategy for first-time investors looking to enter the market during times of uncertainty.“It’s very difficult to time when to get into the market, and so there’s no time like the present,” Wyrick says. “I wouldn’t go all-in at once, but I think waiting around to see what happens to the economy or what happens to the market in the next three, six or nine months in most cases ends up being a fool’s errand.”So how, exactly, do you start dollar-cost averaging into the market? A common strategy is to pair this with stock funds, such as exchange-traded funds. ETFs bundle many different stocks together, letting you get exposure to all of them through a single investment. For example, if you were to invest in an S&P 500 ETF, you would have a stake in every company listed in the index. Rather than investing all your money in a few individual stocks, ETFs help you quickly build a well-diversified portfolio.To dollar-cost average you could set up automatic monthly (or weekly, or biweekly) investments into an ETF through your online brokerage account or retirement account. Through this approach, you would achieve the benefits of dollar-cost averaging and diversification, all through a hands-off strategy designed for building long-term wealth.More From NerdWallet5 Things to Know About Gold’s Record-Breaking RunNew Investors: Quit Stock-Picking and Do This, Expert Says6 Ways Your Investments Can Fund Racial JusticeChris Davis is a writer at NerdWallet. Email: cdavis@nerdwallet.com.The article In a Year of Uncertainty, Should You Still Buy Stocks? originally appeared on NerdWallet. 5570

TELLER COUNTY, Colo. – Investigators are working around the clock as they continue to search the home of Kelsey Berreth’s fiancé in Florissant, Colorado for a second straight day, the Woodland Park Police Department Chief said in a press release Saturday.The multi-jurisdictional task force is searching the 35-acre property of Patrick Frazee, who has not been ruled out as a suspect in Berreth’s disappearance.Details about what the search would cover on Saturday were not released, but Chief Miles J. De Young said the case “is the number one priority for the Woodland Park Police Department.”De Young said the couple’s 1-year-old daughter remains with her father, who is continuing to cooperate with law enforcement during the investigation.He also said his department continues to be in contact with the Teller County Department of Human Services in regard to the child’s custody, adding that department “does not have evidence that [the child’s] safety is at risk while in Patrick Frazee’s custody.” 1022

TALLAHASSEE, Fla. — Gov. Ron DeSantis is proposing controversial legislation that would expand Florida's "Stand Your Ground" law that would allow for the use of force against protesters and looters.The expansion of the law includes language that would grant business owners protection in response to criminal acts during protests, like looting.The legislation would also make blocking traffic during a protest a third-degree felony. Drivers who say they accidentally killed or injured protesters who block traffic would get immunity.Critics of the bill say it could provoke vigilantism and provide justification for killing people over property crimes.The governor's draft proposal would also enhance criminal penalties for people involved in assemblies, which become violent or disorderly.Expanding "Stand Your Ground" is part of a draft legislation proposal to lawmakers ahead of the 2020 sessions, which begins next week.The governor first floated the expanded legislation during a news conference in December.This story was originally published by Victoria Lewis on WPTV in Palm Beach, Florida. 1106

Texas Gov. Greg Abbott called for action on Friday in the wake of a deadly school shooting in Santa Fe, Texas."We need to do more than just pray for the victims and their families," said Abbott, a Republican, during a news conference in response to the shooting. "It's time in Texas that we take action to step up and make sure this tragedy is never repeated ever again in the history of the state of Texas."Abbott said he plans to convene "roundtable discussions" next week that will bring together lawmakers and community members with a wide array of perspectives.RELATED: Trump on Texas school shooting: 'This has been going on too long in our country'"Beginning immediately, I'm going to be working with members of the Texas Legislature but also members of our communities across the entire state of Texas, to begin with roundtable discussions beginning next week where we will assemble all stakeholders to begin to work immediately on swift solutions to prevent tragedies like this from ever happening again," Abbott said.The governor added he wants input from parents, students, teachers and gun rights supporters.Abbott suggested he hopes the discussions will lead to legislation: "We want to hear from everybody who has an interest in what has happened today, so we can work together on putting together laws that will protect Second Amendment rights but at the same time ensure that our communities and especially our schools are safer places."Lawmakers across the country condemned the shooting on Friday. President Donald Trump said in remarks from the White House that mass shootings have been "going on too long in our country."Ten people were killed in the shooting Friday morning at Santa Fe High School and another 10 were wounded, Abbott said during his news conference.The governor called it "the worst disaster ever to strike this community."The-CNN-Wire 1881

Texas students will return to public schools in person this fall, Gov. Greg Abbott told state lawmakers Thursday morning.The state's top education officials confirmed the plans in a statement to The Texas Tribune."It will be safe for Texas public school students, teachers, and staff to return to school campuses for in-person instruction this fall. But there will also be flexibility for families with health concerns so that their children can be educated remotely if the parent so chooses," said Texas Education Commissioner Mike Morath.When students return, school districts will not be required to mandate students to wear masks or test them for COVID-19 symptoms, said Frank Ward, a spokesperson for the Texas Education Agency.The TEA is expected to release additional guidance for school districts next Tuesday. Abbott has long said his intention is for students to return in-person this fall, saying this week that there will "definitely be higher safety standards in place than when they opened last year.""I will tell you that my goal is to see students back in classrooms in seats interacting personally with teachers as well as other students," he told KLBK TV in Lubbock on Monday. "This is a very important environmental setting for both the students, for the teachers and for the parents.”Abbott has pressed forward with reopening businesses and other public spaces for weeks, even as the number of new cases and people hospitalized with the virus has continued to rise. Democrats and officials in some of the state's biggest cities have raised alarm about the pace, saying it's putting people's health at risk."Abbott’s failed leadership has cost lives and has led to Texas becoming one of the most dangerous states to live in during this pandemic," said Texas Democratic Party Communications Director Abhi Rahman in a statement Thursday.According to state lawmakers on the 11 a.m. call, school districts will be able to also offer instructional alternatives for students. The decision comes as COVID-19 cases and hospitalizations continue to rise statewide, and local officials begin to put firmer restrictions in place to tamp down the spread in their cities and counties.National surveys have shown many parents do not feel safe sending their students back to the classrooms, with one poll showing two-thirds in support of keeping schools closed until the pandemic's health risk has passed.School districts' surveys of parents are showing that many students will stay home, even when the classrooms are open. That could pose a financial risk to districts, which receive state funding based on student attendance. Already, many districts are planning for hybrid programs, with some students learning virtually and some learning in person, allowing them to keep class sizes small.This year, Texas used federal stimulus dollars to fund school districts through this year's mandated school closures, as long as they offered some type of remote education. But state officials have not yet said whether they will continue to fund them for students who do not show up in person in the fall.With budget deadlines approaching at the end of the month, some districts are making tentative plans without clear state guidance. Fort Bend Independent School District announced earlier this week that its elementary and middle school students will return to their classrooms with adjusted schedules in the fall.District officials are working to develop a plan for older students that combines virtual classes and classroom instruction. Online instruction will be an option for any student who doesn't feel safe returning to the classroom in mid-August.KXXV's Aliyya Swaby and Cassandra Pollock first reported this story. 3731

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