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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
September/October 2020
12 Obstacles to Investing Success
A disciplined investing strategy, whether for a child’s college costs or your retirement, can help you potentially grow your savings over time. However, success depends in part on avoiding obstacles that can trip you up and understanding uncertainty is always a part of investing. When investing for the long haul, beware of these obstacles:
1. Starting late
Time means everything when it comes to investing success, so use it to your advantage.2. Underestimating time
Time may not literally fly by, but ask any older person how quickly it seems to go. Don’t put off to tomorrow what you can start today.3. Overreacting
The coronavirus outbreak sent stock and bond markets into dizzying spins, as investors fled the stock market for relatively safer investments. Those with long-term horizons who stay the course may withstand the onslaught if this mimics recoveries from previous market-shaking events.4. Under-reacting
“Buy and hold” should not apply to every investing decision. If your investments have poor long-term prospects or no longer fit your strategy, consider selling them.5. Investing too aggressively
If you’re in or near retirement, you may not have the time to recover from down markets. Invest appropriately.6. Investing too conservativley
With enough time you may overcome market downturns, so invest for growth when you have time.7. Paying too much
High investment fees and charges detract from net earnings, so make sure your returns are worth the cost.8. Staying too loyal
Loyal employees may like to own their employers’ stocks, but too much of a good thing is a bad thing. Diversify.*9. Duplicating efforts
Know how target-date and balanced mutual funds affect your asset allocation mix.10. Following the herd
Jumping late on a hot investment’s bandwagon can become a costly investing mistake.11. Timing the market
Even the professionals can’t do it, so don’t try.12. Avoiding help
Talk to a financial professional for help with your investing strategy.*Diversification cannot eliminate the risk of investment losses. Past performance won’t guarantee future results. An investment in stocks or mutual funds can result in a loss of principal.
GE-3047904(9/20)(exp.9/22)
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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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