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Market Volatility Makes a Comeback

The slumping Chinese stock market combined with concerns about Federal Reserve tightening sent U.S. equities sharply lower in August, ending an unusual period of low volatility. This was the first correction in the S&P 500 stock index in four years and pushed the index into negative territory on a year-to-date basis. Market volatility is officially back.

To better prepare yourself to manage the ups and downs, while still achieving your long term financial goals, consider incorporating key investing fundamentals into your overall investment plan. Some fundamental investment principles may include: diversification, and adherence to a long-term financial plan.

Emotional Investing

In times of uncertainty, investors often allow their financial decisions to be based upon emotions, which may not always prove to be the best approach in the long run. By allowing emotions to drive your investment decisions, you run the risk of missing out on the rewards when the financial markets rebound. 

Be Patient

Although past performance is no guarantee of future results, those who have stayed invested for the long-term have generally been rewarded for their patience. In fact, many investors perceive market declines as an opportunity to expand their financial portfolios. Warren Buffet is quoted as saying, “Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it.” During these volatile times, investors should re-evaluate, and then stick to their financial plan, putting fears aside as to not cloud their thinking. 

Reassess Your Portfolio

According to the Securities Exchange Commission (SEC), the practice of spreading money among different investments to help reduce risk is known as diversification. If your investments are heavily weighted in just one or two asset classes, then diversifying your portfolio might help minimize the volatility of your portfolio should turbulent markets continue. A regular review of your investment portfolio holdings can help keep you on track to attain important financial goals without incurring unnecessary risk.

Who Can Help Me?

CFS* Sr. Investment Advisor Bradley Schwab will work closely with you to conduct a financial review. Together, you can analyze your portfolio to ensure that it is properly diversified.