When the markets swing, investors often ask the wrong question: “What’s next?” The better question is, “What is my money supposed to do for me?” That shift in thinking can transform how you build and protect your wealth.
Stop Reacting, Start Designing
Too many people let headlines dictate their strategy. A dip sparks panic selling. A rally tempts them to chase returns. The result is a portfolio built on reactions instead of intentions. A well-structured plan starts by defining your goals first: Do you need income? Growth? Preservation? Every allocation should connect back to that purpose, so market noise becomes just that… noise.
When Playing It Too Safe Costs You
Some investors equate caution with leaving large amounts of cash untouched. Holding three to six months of expenses for emergencies is wise, but beyond that, idle money quietly loses value to inflation. Safety isn’t about standing still; it’s about putting each dollar where it can serve you best without exposing you to unnecessary risk. Even conservative investors need their portfolios to work, not nap.
Investing Across Two Tax Systems
For Americans living in Israel, there’s an added layer: cross-border tax rules. A fund that looks fine locally may trigger expensive U.S. reporting or penalties. The key is not just picking good investments but choosing ones that fit your unique financial “citizenship.” A portfolio should be bilingual so that growth doesn’t come with unexpected tax headaches.
The strongest portfolios are designed with purpose, not predictions. Instead of guessing what the Dow will do next quarter, ask what your money needs to do over the next decade. Aligning investments with your goals and tax realities creates something the market can’t give you: peace of mind.
When you stop chasing trends and start building with intention, you move from being a market spectator to becoming the architect of your financial future.
If you’re unsure whether your portfolio has a clear purpose or is simply reacting to headlines, schedule a free Cross-Border Financial Evaluation at profile-financial.com/call. A conversation today can help you design a plan built for your life, not the market’s mood swings.
Douglas Goldstein, CFP® is the director of Profile Investment Services, Ltd. www.Profile-Financial.com. He is a licensed financial professional both in the U.S. and Israel. Call (02) 624-2788 for a consultation on how to set up your American assets to meet your financial goals. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates. Neither PRG nor its affiliates provide tax or legal advice.
Published October 29, 2025.