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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
May/June 2024
Investing in Changing Markets
It seems like any piece of news can either rattle or encourage stock markets, propelling stock prices to decrease or increase rapidly and giving some investors heartburn as they worry and watch. If you are a long-term investor, you typically don’t need to fret about short-term volatility. But if you can’t help worrying or you have a shorter investment timeframe, consider the following tips to help ease your concerns.
Time is on Your Side
If you are years away from your financial goals, time is plentiful. If you are one of those investors who can’t stop worrying over market performance, take comfort in knowing market volatility is quite common. You may find that most downturns are usually short relative to your investing timeframe and you have the ability to ride out short-term declines.Regardless of timeframe, never invest in a way that makes you feel uncomfortable. While markets ebb and flow, individual securities and those of smaller industries can decline and never return to their former glory, leaving investors with permanent losses. Work with your financial professional to help ensure you have a mix of investments that helps compensate for the poor performance of a few.
Time is Short
Stories abound of investors nearing retirement who had invested too aggressively and needed to continue working to make up for their losses. If you expect to begin taking distributions from your investment accounts soon, you may want to have a more conservative portfolio mix that provides both the security and hedge against inflation you may need.A more conservative approach may potentially limit losses, as can spreading your risk by diversifying* among and within asset classes. Diversify by asset class by spreading your investment dollars among stock, fixed income and money market asset classes. Diversify within an asset class, for example, by choosing large-cap and small-cap stocks and domestic and international equities.
Your financial professional can help you choose an appropriate investment mix for your risk tolerance and time frame.
*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.
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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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