{"id":15216,"date":"2025-05-14T17:33:12","date_gmt":"2025-05-14T15:33:12","guid":{"rendered":"https:\/\/pattersonmills.ch\/?p=15216"},"modified":"2025-05-15T21:35:51","modified_gmt":"2025-05-15T19:35:51","slug":"the-cost-of-waiting-to-invest","status":"publish","type":"post","link":"https:\/\/pattersonmills.ch\/fr\/the-cost-of-waiting-to-invest\/","title":{"rendered":"The Cost of Waiting to Invest"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"15216\" class=\"elementor elementor-15216\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-734921c3 elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-hidden-mobile elementor-section-height-default\" data-id=\"734921c3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b1a362b\" data-id=\"3b1a362b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ed26ed5 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"5ed26ed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">The Cost of Waiting to Invest<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7da17c6 elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"7da17c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-15df7ff elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/author\/charles\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user-circle\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tCharles Mills\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e5e8838 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/2025\/05\/14\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>mai 14, 2025<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65f2ab20 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"65f2ab20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"b-qt qt_801816\"><span data-teams=\"true\"><span class=\"TextRun SCXW20818625 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW20818625 BCX0\">&#8220;The best time to plant a tree was 20 years ago. The next best time is today&#8221; \u2013 Chinese proverb<\/span><\/span><\/span><\/p><p><span style=\"background-color: var( --e-global-color-04ee521 ); color: var( --e-global-color-3429fff ); font-size: inherit; letter-spacing: -0.015em; text-align: inherit;\">4 min read<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5818ac77\" data-id=\"5818ac77\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3425518c elementor-widget elementor-widget-spacer\" data-id=\"3425518c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62d66db8 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"62d66db8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28ec48d1\" data-id=\"28ec48d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e19e2cd elementor-widget elementor-widget-image\" data-id=\"1e19e2cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1344\" height=\"756\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/05\/05.2025-2-14.05.2024.jpg\" class=\"attachment-full size-full wp-image-15218\" alt=\"\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/05\/05.2025-2-14.05.2024.jpg 1344w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/05\/05.2025-2-14.05.2024-300x169.jpg 300w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/05\/05.2025-2-14.05.2024-1024x576.jpg 1024w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/05\/05.2025-2-14.05.2024-768x432.jpg 768w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/05\/05.2025-2-14.05.2024-18x10.jpg 18w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/05\/05.2025-2-14.05.2024-1200x675.jpg 1200w\" sizes=\"(max-width: 1344px) 100vw, 1344px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fb0ba09 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"7fb0ba09\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4fe26bcf\" data-id=\"4fe26bcf\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-281c4020 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"281c4020\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">The Cost of Waiting to Invest<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fd9df72 elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"2fd9df72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-15df7ff elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/author\/charles\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-user-circle\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tCharles Mills\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e5e8838 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/pattersonmills.ch\/fr\/2025\/05\/14\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>mai 14, 2025<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63a3699 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"63a3699\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"b-qt qt_801816\"><span data-teams=\"true\"><span class=\"TextRun SCXW20818625 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW20818625 BCX0\">&#8220;The best time to plant a tree was 20 years ago. The next best time is today&#8221; \u2013 Chinese proverb<\/span><\/span><\/span><\/p><p><span style=\"background-color: var( --e-global-color-04ee521 ); color: var( --e-global-color-3429fff ); font-size: inherit; letter-spacing: -0.015em; text-align: inherit;\">4 min read<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-615b64f5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"615b64f5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62e468d2\" data-id=\"62e468d2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf527f2 elementor-widget elementor-widget-text-editor\" data-id=\"bf527f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<iframe src=\"https:\/\/odio.ai\/embed\/ffbb006202574074\" scrolling=\"no\" height=\"125px\" width=\"100%\" frameborder=\"0\" allowfullscreen><\/iframe>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ccdad0 elementor-widget elementor-widget-text-editor\" data-id=\"6ccdad0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">There is an old saying you have might have heard: \u201cIt is time in the market, not timing the market.\u201d While this phrase is often repeated, its relevance remains strong as ever.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">With market volatility an ever-present feature of investing, whether influenced by geopolitical events or economic headlines, it is tempting to delay investing until the \u2018right moment\u2019. Yet, what many people do not realise is that these delays can quietly erode their long-term outcomes in ways that are not always immediately visible.\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This article explains why delaying making your investments may cost you more than you think, and how compounding, inflation, and market rebounds work against \u2018timing the market\u2019. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h5><b><span data-contrast=\"auto\">The influence of Global events<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">In early April 2025, markets experienced a sharp correction following a landmark US tariff announcement (&#8216;Liberation Day&#8217;) that rattled global trade expectations. While the selloff was short-lived, with most major indices showing clear signs of recovery by month\u2019s end, it served as a reminder of how quickly global events can shake markets. Fear and uncertainty can often lead investors to make reactive decisions, hoping to time their way around volatility.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">But this event, like many before it, could have been related to almost anything, whether a geopolitical development, a central bank comment, or a natural disaster. The reasons and severity may vary, but the pattern is familiar, with short-term volatility triggering reactive behaviour, even as long-term fundamentals remain intact.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p>The result?\u00a0\u00a0<\/p><p><span data-contrast=\"auto\">Historically, many people would delay investing, waiting for the \u201cright time.\u201d However, for those who remained invested, the brief dip ultimately became a small footnote in an otherwise upward trend.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h5><b><span data-contrast=\"auto\">The real cost of waiting<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">It is understandable why you may want to delay investing. Markets feel uncertain, headlines are unsettling, and it may seem safer to hold off until conditions feel more stable. But waiting, even for what feels like a justified reason, can come at a cost.<\/span><\/p><p><span data-contrast=\"auto\">Let us consider two hypothetical investors:<\/span><\/p><p><span data-contrast=\"auto\">Investor A invests 100&#8217;000 on 1 January 2025.<\/span><\/p><p><span data-contrast=\"auto\">Investor B waits until 1 January 2026 to invest the same amount.<\/span><\/p><p><span data-contrast=\"auto\">Assuming a 7% average annual return, Investor A ends up with 761&#8217;226 after 30 years. Investor B, who delayed by just one year, finishes with 711&#8217;426, a difference of nearly 50&#8217;000 due to purely waiting one year.<\/span><\/p><p><span data-contrast=\"auto\">This gap exists not only because Investor B missed a year of growth, but because Investor A\u2019s money had more time to compound, generating returns on top of returns year after year.<\/span><\/p><p><span data-contrast=\"auto\">Even if the time you enter the market initially appears volatile, or it seems like a better opportunity is just around the corner, history has consistently shown that markets recover and those who stay invested through the noise tend to be rewarded.<\/span><\/p><p><span data-contrast=\"auto\">Short-term movements often smooth out over the long-term and the cost of waiting tends to outweigh the perceived benefit of trying to time things just right.<\/span><\/p><h5><b><span data-contrast=\"auto\">Inflation never waits<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">There is another factor quietly working against those who wait to invest and that is inflation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">While your money may appear safe in a bank account or savings vehicle, it may be losing value in real terms. When the interest earned is lower than the rate of inflation, your purchasing power declines year after year.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">For example, a cautious saver earning 2% interest while inflation runs at 3% is effectively losing 1% of their purchasing power annually. That erosion may not be immediately obvious, as the monetary balance of the account does not reduce, but your money will continue to buy less and less over time, diminishing its real world value.<\/span><\/p><p><span data-contrast=\"auto\">This silent loss can be just as damaging as market volatility, especially when left unaddressed over many years. While waiting may feel like a safer option, doing so in a rising-cost environment steadily diminishes your wealth.<\/span><\/p><h5><b><span data-contrast=\"auto\">Market timing: A game few win<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">Research consistently shows that even professional investors cannot time the market with accuracy. More often than not, you miss out on the best days by being out of the market during times of volatility.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">One of the greatest examples of this is with the S&amp;P 500. If you had invested in the S&amp;P 500 over the past 20 years but missed just the 10 best trading days, your return would have been cut by more than 50%.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">It just so happens that these \u2018best days\u2019 often followed closely after market selloffs which is precisely when many investors choose to exit or delay entry.<\/span><\/p><p><span data-contrast=\"auto\">If you do not wish to invest everything at once, you can use a staggered approach, such as dollar-cost averaging, to help manage risk and smooth your overall returns. This can be useful to manage risk through changing market conditions.<\/span><\/p><h5><b><span data-contrast=\"auto\">What this means for you<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h5><p><span data-contrast=\"auto\">Timing the market is rarely effective and often costly. The most consistent outcomes come from staying invested, not from trying to predict market moves.<\/span><\/p><p><span data-contrast=\"auto\">The cost of waiting can be easy to overlook, but between lost compounding, inflation, and missed recoveries, the long-term impact can be significant.<\/span><\/p><p><span class=\"TextRun SCXW10941912 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW10941912 BCX0\">At Patterson Mills, we help you cut through the noise with long-term investment strategies that are built to weather market <\/span><span class=\"NormalTextRun SCXW10941912 BCX0\">ups and downs<\/span><span class=\"NormalTextRun SCXW10941912 BCX0\">. Rather than trying to time the market, we focus on creating a clear, structured plan tailored to your goals.<\/span><\/span><\/p><p>If you are not sure where to begin, <a style=\"font-size: inherit; text-align: inherit; background-color: inherit; letter-spacing: -0.015em;\" href=\"https:\/\/links.pattersonmills.ch\/contact\"><b><strong>contactez-nous<\/strong><\/b><\/a><span style=\"font-size: inherit; text-align: inherit; background-color: inherit; color: var( --e-global-color-3429fff ); letter-spacing: -0.015em;\"> with us today to learn more about how we can help.<\/span><\/p><p dir=\"ltr\">Courrier \u00e9lectronique \u00e0\u00a0<a href=\"mailto:contactus@pattersonmills.ch\"><b><strong>contactus@pattersonmills.ch<\/strong><\/b><\/a>\u00a0or call +41 (0) 21 801 36 84 and we shall be pleased to assist you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61cff8b4 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"61cff8b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Share on whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-whatsapp\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08a255d elementor-widget elementor-widget-text-editor\" data-id=\"08a255d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"hd-block hd-block-paragraph\"><p><strong><em>Please note that all content within this article has been prepared for information purposes only. This article does not constitute financial, legal or tax advice. Always ensure you speak to a regulated Financial Adviser before making any financial decisions.<\/em><\/strong><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>&#8220;The best time to plant a tree was 20 years ago. The next best time is today&#8221; \u2013 Chinese proverb<\/p>\n<p>4 min read<\/p>","protected":false},"author":2,"featured_media":15218,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[108,230,117,67,144,296,297,298,299,60,186,18,349,330,348,173],"class_list":["post-15216","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments","tag-finance","tag-finances","tag-financetips","tag-financialadvice","tag-financialadviser","tag-financialadvisor","tag-financialeducation","tag-financialknowledge","tag-financialliteracy","tag-investing","tag-investment","tag-investments","tag-markettiming","tag-personalfinance","tag-timeinthemarket","tag-timingthemarket"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/posts\/15216","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/comments?post=15216"}],"version-history":[{"count":13,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/posts\/15216\/revisions"}],"predecessor-version":[{"id":15230,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/posts\/15216\/revisions\/15230"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/media\/15218"}],"wp:attachment":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/media?parent=15216"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/categories?post=15216"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/tags?post=15216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}