RECENT DISCUSSIONS

Determining the Need for Long-Term Care Insurance (LTCI): How Much Is Enough?
Author: Jerry Martin, Financial Advisor

Women: Planning for the Financial Impact of Children
Author: Amy Proctor

Converting Savings to Retirement Income
Author: Curtis Hinshaw, Financial Advisor

Student Board of Directors Experience
Author: Bethany Simmons

Raising Money Smart Kids
Author: Tammy Gage, Community Relations Officer

Banking on the Future of Texas Communities
Author: Rogers Pope, Jr, Vice Chairman and Chief Executive Officer

Spring Cleaning for Your Personal Finances
Author: Aaron May, Advertising Coordinator

Women's History in Banking
Author: Tawny Browning

Staying Connected Through Social Media
Author: Sherry Gibbon, Vice President, Community Relations and OMNI Manager

Did you ever think that you would be able to ‘Pay’ with a watch?
Author: Sheri Parish

Wide Angle Lens
Author: Kimberly Spinks

12 Resolutions for 2016
Author: Amy Proctor

Common Factors Affecting Retirement Income
Author: Amy Proctor

Christmas is the time for...Savings
Author: Tawny Browning

How Women Are Different from Men, Financially Speaking
Author: Mitzi Bjork, Financial Advisor

Don’t Get Caught in a Cyber P.L.O.T.
Author: Sherry Gibbon, Vice President, Community Relations and OMNI Manager

Experiencing the Unexpected
Author: Karen Partee

New Chip Technology Enhances Consumer Security
Author: Crystal Hardy, Vice President and Bank Card Change Coordinator

Retirement Plan is the Key to Confidence, Survey Finds
Author: Jerry Martin, Financial Advisor

My Marriage Misconception
Author: Tawny Browning

 

How We See It

Bonni Kids

Bonni Kids

Posted:
March 30, 2012

Investing Time in the Market
By: Bonni Kids, Vice President & Trust Officer

Investing is always about finding that balance between our desire for good returns and the pain and worry that comes from losing our hard-earned money.  Determining the level of risk you’re comfortable with is difficult, and sometimes only apparent when we have volatile times in the market, like now.   

It is common for people to have an emotional reaction to the market’s ups and downs.  Emotions change as markets move through their normal cycles.  As prices go up, we feel good about ourselves, which turns into enthusiasm and, therefore, a desire to invest in the market.

Inevitably, markets also move down.  During downward swings, our emotions may turn darker, and we realize that we are not as comfortable taking risks in the market.   

Many studies document how individual investors, and even professionals, chase performance.  When markets are doing well, investors get less concerned about risk and put their money to work in investments that have been doing well recently.  Too often that means investing while looking through a rearview mirror, which doesn’t usually work out too well. 

Important points to remember as you invest: 

  • Keep saving for retirement.
  • Determine your comfort level for risk and develop an asset allocation.
  • Rebalance your investments to maintain your allocation.
  • Review the amount you are saving for retirement (salary increases provide a good opportunity to boost your savings).

Staying invested and continuing to increase the amount you save is a key factor to achieving your retirement savings goals, despite market ups and downs. 

Remember, time in the market is more important than timing the market.

 

No no may

 
 
 
 

Post a Comment

All comments are subject to approval. Read more.

 
 

About TBT

Who We Are Join Our Team People Who Make a Difference TBT Spirit of Giving Contact Us Site-Map

Helpful Links

AnnualCreditReport.com FDIC Consumer News FAQs

Consumer Protection

Fraud Protection Center FDIC Update Privacy / Security Disclosures
Member of FDICAn Equal Housing Lender
 
Powered by Encore Multimedia.
ABOUT SSL CERTIFICATES