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Beth A. Botti, CFP®, ChFC, CLU, CDFA™
Financial Consultant
California Insurance License #0G24537
612 Wheelers Farms Road, Milford, CT 06460
Phone: 203-877-6556 Ext. 169
Fax: 203-301-0736
Email: beth.botti@equitable.com
January/February 2020
2020 Investing Vision
No one can predict how investments will perform, but a disciplined investing approach combined with the appropriate strategy may help you avoid some of the extreme highs and lows of the stock market. As the New Year begins, you may want to consider the following:
Review
Even if your only mutual funds* are in a company-sponsored 401(k) plan, you should review your goals, risk tolerance and time horizon regularly. Ask yourself if your goals or the age when you hope to reach them have changed. Work with a financial professional to determine if your funds are meeting your expectations, or if other offerings may be more appropriate.Examine
Your investments should meet basic criteria, whether inside a company retirement plan or purchased on your own. Fees should be reasonable and in line with peer investments. The long-term performance of any mutual fund should compare favorably to its benchmark. Also check for investment drift, such as when a large-cap stock fund owns more small-cap stocks than its stated goal.Persevere
Keep investing through market highs and lows, especially if it is for long-term goals. If investing for both long-term and short-term goals, consider whether your investment mix is appropriate.Act
Recognize opportunity while staying disciplined. Increase your 401(k) or IRA contributions when you get a pay raise. If your employer offers an automatic contribution escalator that bumps up your contributions when your salary increases, use it. Also consider automatic rebalancing.** Above all, strongly consider contributing every dollar your employer may match.* Investors should consider the investment objectives, risks, and charges and expenses of the fund carefully before investing. Contact the issuing firm to obtain a prospectus, which should be read carefully before investing or sending money. Because mutual fund values fluctuate, redeemed shares may be worth more or less than their original value. Past performance won’t guarantee future results. An investment in mutual funds may result in the loss of principal. ** Diversification does not ensure a profit or protect against loss in a declining market. There is no assurance that a diversified portfolio will achieve a better return than a non-diversified portfolio.
GE-2756113 (10/19) (Exp. 10/21)
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. Your connection to this website does not necessarily indicate that the sender is able to transact business in your state. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit https://equitable.com/crs to review the firm's Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.
GE-6572038.1 (4/24)(Exp. 4/26)
CFP®, and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
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