Beazer Homes USA employees navigating volatile markets should remember that staying disciplined with a long-term financial plan can often lead to more favorable outcomes than reacting emotionally to short-term headlines. – Kevin Landis, a representative of The Retirement Group, a division of Wealth Enhancement.
Beazer Homes USA employees should remember that emotional decisions and market timing can derail years of disciplined planning—staying the course with a tailored strategy is often the most effective path to long-term success. – Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.
In this article we will discuss:
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Why market timing can carry significant risk—even when headlines seem clear.
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How emotional decisions may influence long-term investment outcomes.
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The value of sticking to a customized financial plan.
Unforeseen events can significantly influence investor outcomes, as recent market activity has demonstrated. Amid ongoing volatility, the markets have been experiencing unpredictable ups and downs. Beazer Homes USA employees who exited the market before recent spikes may have missed out on potential returns. Similarly, selling into a down market may crystalize losses, impacting the long-term performance of a portfolio.
Tyson Mavar, a wealth manager and financial advisor at Wealth Enhancement, states, “This is precisely why we advise clients not to attempt to time the market.” Trying to forecast what happens next can often lead to subpar results, especially for Beazer Homes USA employees focused on retirement goals.
Mavar highlighted that reacting to fear during market turbulence can throw long-term planning off track. Investors who follow a disciplined, strategic framework often experience more favorable results over time—particularly important for Beazer Homes USA professionals preparing for retirement with significant pensions and savings.
At Wealth Enhancement, the emphasis is on consistent planning rather than reacting to daily headlines. Their methodology is designed to adapt through fluctuations, anchored in long-term objectives. “We help clients focus on what’s within their control—such as investment planning, portfolio structure, and saving behaviors,” Mavar noted—guidance that Beazer Homes USA employees may find helpful when facing market ups and downs.
Historical data shows that maintaining investment positions during market disruptions tends to result in better outcomes. Trying to exit and reenter markets at precisely the right time rarely works—and can often lead to missed opportunities during major rebounds. For Beazer Homes USA employees nearing retirement, staying consistent may yield better outcomes than trying to chase timing strategies.
The central message for anyone at Beazer Homes USA rethinking their portfolio or hesitant about reentering the market: have a thoughtful financial plan in place before markets fluctuate. Results often stem from consistency and preparation, not from spur-of-the-moment decisions.
A recent DALBAR study (2023) found that the average equity fund investor earned just 6.81% annually over a 30-year period—substantially lower than the S&P 500’s 10.12% annualized return. This gap was largely attributed to emotional investment behavior, such as exiting during downturns and reentering too late. For Beazer Homes USA employees, this data emphasizes the potential value of consistent investment strategies during job transitions and retirement planning.
Want to know how missing the right moment can impact your financial future? This article highlights the risks of reactive investing, offers time-tested strategies, and illustrates how aligning with a structured retirement-focused plan can help navigate unpredictable markets—particularly for Beazer Homes USA employees in transition.
Trying to time the market is like attempting to hop onto a moving train in the dark. It might work occasionally, but more often, it leads to missteps. Markets can change course quickly based on unexpected developments. Long-term investors—like Beazer Homes USA retirees with a structured approach—often benefit from staying the course, much like a traveler who follows a steady itinerary rather than chasing every departing train. According to DALBAR (2023), those who remain consistent tend to outperform those making frequent timing decisions.
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- 7 Things to Consider Before Leaving Your Company
- How Are Workers Impacted by Inflation & Rising Interest Rates?
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Sources:
1. DALBAR, Inc. 30th Annual Quantitative Analysis of Investor Behavior (QAIB) Report . 2024, pp. 1–3.
2. Benz, Christine. A Down-Market Survival Guide for Retirees. Morningstar , Sept. 2022.
3. Financial Strategies Group . Emotional Investing Part 2: The Costs of Investing Emotionally. 2024.
4. The Wall Street Journal Staff. How to Make Major Money Decisions Right Now: A WSJ Guide. The Wall Street Journal , Apr. 2025.
5. Morningstar Research Team . Does Tolerance for Risk Change in Retirement? Morningstar , Nov. 2024.
What type of retirement plan does Beazer Homes USA offer to its employees?
Beazer Homes USA offers a 401(k) retirement savings plan to its employees.
Does Beazer Homes USA provide matching contributions to the 401(k) plan?
Yes, Beazer Homes USA provides matching contributions to the 401(k) plan, helping employees save for retirement.
What is the eligibility requirement for employees to participate in Beazer Homes USA's 401(k) plan?
Employees of Beazer Homes USA typically become eligible to participate in the 401(k) plan after completing a specified period of service.
Can employees at Beazer Homes USA choose how much to contribute to their 401(k) plan?
Yes, employees at Beazer Homes USA can choose to contribute a percentage of their salary to their 401(k) plan, subject to IRS limits.
What investment options are available in Beazer Homes USA's 401(k) plan?
Beazer Homes USA's 401(k) plan offers a variety of investment options, including mutual funds and target-date funds.
How can employees at Beazer Homes USA access their 401(k) account information?
Employees at Beazer Homes USA can access their 401(k) account information through the plan's online portal or by contacting the plan administrator.
Is there a vesting schedule for the employer match in Beazer Homes USA's 401(k) plan?
Yes, Beazer Homes USA has a vesting schedule for the employer match, which determines when employees fully own the matched contributions.
Can employees take loans against their 401(k) plans at Beazer Homes USA?
Yes, Beazer Homes USA allows employees to take loans against their 401(k) plans, subject to specific terms and conditions.
What happens to an employee's 401(k) plan if they leave Beazer Homes USA?
If an employee leaves Beazer Homes USA, they can choose to roll over their 401(k) balance to another retirement account, cash out, or leave it in the Beazer Homes USA plan if permitted.
Are there any fees associated with Beazer Homes USA's 401(k) plan?
Yes, Beazer Homes USA's 401(k) plan may have administrative fees and investment-related fees, which are disclosed in the plan documents.