Importance of Time In

Despite evidence to the contrary, many people believe that investment success is dependent upon their ability to outguess the markets—entering and exiting at the most opportune times. However, history paints a different picture. Investing is a long-term process that has historically paid the greatest rewards to those adhering to a consistent and disciplined approach to investing.

In fact, according to a recent report on investor behavior by a leading financial services market research firm, the largest investor losses occur after a market decline. Investors tend to sell after experiencing a paper loss and don’t begin investing again until after the markets have recovered their value. The result of this behavior is that investors participate in the downside of the market and are out of the market during its subsequent rise.

For investors pursuing long-term goals, a well-diversified portfolio with investments allocated across different asset classes can help reduce the risk of a downturn in any one investment or asset class. That can potentially help you stay on track toward your goals while continuing to benefit from the power of compounded earnings over time as you remain invested through different market cycles.

If you have questions about your current portfolio, please contact one of our Investment Representatives at your convenience.

This information is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Securities and insurance products offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera Investment Services LLC and Cetera Investment Advisers LLC are not affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. Advisory services may only be offered by investment adviser representatives in conjunction with an advisory services agreement and disclosure brochure as provided.