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History shows that soaring bull markets and tumbling bear markets don't last a lifetime. While the highs may spark lots of optimism, the lows can bring even greater pessimism. Investors who focus on their long-term goals may have a better chance of withstanding rocky market periods.
The longer your money is invested, the more likely you may be able to manage market fluctuations.
A well-defined investment strategy that's based on a good understanding of your goals, how you feel about risk and how much time you have left before you'll need the money may help you make better investment decisions. Here are five tips for keeping long-term in focus.
Go beyond the general types of stocks, bonds and cash for diversification. Each of these can be split further into more specialized categories that take advantage of different sections and behaviors of the markets.
This hypothetical scenario is an example of what a well diversified portfolio might look like. A diversified portfolio based on your individual needs may address your objectives, comfort with risk and help you stay focused on your long-term goals.
The professional investment management available through mutual funds may be especially valuable to you during times of uncertain market directions.
Keeping your long-term plan in mind instead of reacting to current market conditions may help you better withstand market ups and downs.
Better understand market volatility so you can stay focused in turbulent times.
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Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results.
This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.
Diversification does not assure a profit nor does it protect against loss of principal.
International investing involves special risk considerations, including economic and political conditions, inflation rates and currency fluctuations.
Generally, as interest rates rise, bond prices fall. The opposite is true when interest rates decline.