Page 39 - Flathead Beacon // 10.29.14

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Failing to diversify — When it comes to investing, “too much of a good thing” is a relevant term. If your portfolio is dominated by one type of asset class, such as aggressive growth stocks, and we experience a downturn that is par- ticularly hard on those stocks, you could face sizable losses. But if you spread your investment dollars among growth stocks, international stocks, bonds, gov- ernment securities and certificates of deposit (CDs), you can lessen the impact of a market drop. Keep in mind, though, that while diversification can reduce the effects of volatility, it can’t guarantee a profit or prevent losses.
Halloween is over quickly. But scary investment moves can have a lasting ef- fect — so stay away from them.
Bo
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FLATHEADBEACON.COM BUSINESS MONTHLY FINANCIAL CORNER Jesse Rigler
Avoid These Scary W Investment Moves
HETHER YOU HAVE ical squabbles or unsettling geopolitical young children or not, you’re events, such as conflicts in foreign lands, probably well aware that Hal- don’t be surprised if you see a drop, per-
OCTOBER 29, 2014 | 39
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loween is almost here. However, despite the plethora of skeletons and ghosts you might see floating around this week, you probably don’t have much to fear (ex- cept, possibly, running out of candy). But in real life, some things genuinely are frightening — such as “scary” invest- ment moves.
Of course, investing, by its very na- ture, is not a risk-free endeavor. Ideally,
haps a sizable one, in the Dow Jones In- dustrial Average and other market indi- ces. But these declines are usually short- lived. Of course, the markets do not exist in isolation — they can and will be af- fected by what’s happening in the world. Yet, over the longer term, market move- ments are mostly governed by mundane, non-headline-grabbing factors, such as corporate earnings, interest rate move- ments, personal income levels, and so on. Here’s the point: Don’t overreact to those scary headlines, or even to short- term market drops. Instead, focus on the fundamentals driving your investments — and maintain a long-term perspective.
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Chasing hot investments — You can receive tips on “hot” investments from multiple sources: television, the Internet, your friends, your relatives — the list goes on and on. But by the time you get to these investments, they may already have cooled off — and, in any case, may not be appropriate for your needs. Stick with investments that offer
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Overreacting to “scary” head- lines — The financial markets like sta- bility, not uncertainty. So the next time you see some news about domestic polit-
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Jesse Rigler is a financial advisor at Edward Jones in Kalispell.
Your needs are unique and always changing.
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