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Investment Planning Center - Reviewing the Basics

Markets will always go up and down, and that is a fact of life that cannot be controlled. With the volatility experienced in today’s market, it comes as no surprise that many people are left in an emotional whirlwind, feeling a bit uneasy, and perhaps even hesitant to reenter the markets. However, as a means of survival, it is imperative to leave those emotions aside and reacquaint yourself with some of the basic rules of investing.

Investing 101

In times of volatile market fluctuations, it might be a good idea to review the basic concepts of investing. Diversification and asset allocation may prove to be useful investment strategies to exercise during times of market instability. Diversification can help an investor manage risk, and reduce the volatility of an asset’s price movements. It is the process of dividing a portfolio among major asset categories such as bonds, stocks or cash. Another good rule of thumb is to avoid investing 100% of your retirement plan in your company stock. Remember though, no matter how diversified your portfolio is, risk can never be eliminated completely.

Asset Allocation

We have all heard the term but what exactly is it? It is systematic allocation of the client’s investments across asset classes, with the objective of maximizing returns for the amount of risk taken.* Asset allocation helps to reduce the risk of market fluctuations, because as some assets’ value may go down, others may go up and offset losses.

Asset allocation may seem a bit confusing at first, but it really isn’t. No one mix of assets is right for everyone all the time. Be sure to work with a financial professional to choose the appropriate mix of investments for your goals and investment needs.

Tips for Surviving Uncertainty

Surviving a down market can be very difficult and discouraging, but there are different strategies to implement that may help to reduce the impact. Some of those strategies may include:

  • Formulate a well-defined investment plan and stay on course
  • Think of a down market as a buying opportunity
  • When making investment decisions, think long-term, as opposed to short-term
  • Consider working with a financial advisor

Assistance Awaits You

Stephen Seewer is the CFS** Financial Advisor at SF Fire Credit Union and available for no-cost, no-obligation consultations. Contact him today at (415) 674-4846 or

* For specific tax advice, please consult a qualified tax professional. **Investment products and advisory services offered through CUSO Financial Services, L.P. (CFS), an independent broker/dealer and SEC Registered Investment Advisor, are not NCUA/NCUSIF or ASI insured, not Credit Union guaranteed and may lose value. Representatives are employed by San Francisco Fire Credit Union and registered through CFS. (Member FINRA/SIPC)