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How We See It

Bonni Kids

Bonni Kids

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.


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