Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More

All Kirtland CU branches and locations will be closed on Thursday, November 28 in observance of Thanksgiving.

Phishing attempts are on the rise. Use caution if you receive a call, email, or text message that claims to be from Kirtland CU. Remember: we will never ask for your online banking access codes or credentials, or for you to transfer money. Learn more on our Fraud Awareness and Prevention Center. 

FRAUD ALERT: Have you received a text message asking to verify a fraudulent transaction? Do not click on that link or call the phone number on your text message. Scammers are using a variety of messages and techniques to gain access to your account. Learn how to protect yourself on our Fraud Awareness and Prevention Center.

We have engaged Forvis Mazars, LLP (Attn: Bud Hollenkamp, 1801 California Street, Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your September 2024 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to Forvis Mazars, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

We're Invested

Retirement, investments, financial planning for every stage of life—learn about it all here at Invested,
a blog from your Wealth Management Advisors at Kirtland Financial Services.

Invest In These 4 Common Sense Investing Rules

By Kirtland Financial Services

Facebook
Twitter
LinkedIn

From fluctuating gas prices to market volatility to inflation fears, it may be tough to tune out the noise when trying to gauge how your investments perform. And if you are like most investors, you try to resist the temptation to do something—anything—to help stem your losses when the market is gyrating. 

During these times, it may be wise to remind yourself of these four common sense rules for investing—time-tested strategies that may help keep you calm and stay the course no matter what the market has in store. 

Long-term Broad Market Trends

Historically, stocks tend to go up over time. While a particular investment may be having a bad month, quarter, or year, broad market indices like the S&P 500, the Dow Jones, and the NASDAQ have generally trended positive in the past. The S&P 500 posted positive returns for investors over most 20-year historical periods.Past performance is no guarantee of future results.

During market swings, try to remember that maybe “this too shall pass” and staying the course is one strategy to consider for long-term investing. 

Individual Stock Picking is Tricky

Except maybe for Warren Buffet and Charlie Munger of Berkshire Hathaway, few have the luck or knowledge to beat the market by investing in just a few hand-selected stocks instead of a broader market index. While a stock you are considering might be the next Apple or Amazon, it is equally possible that it could be a loser like Blockbuster or Circuit City. 

That’s not to say that owning individual stocks is a strategy that should never be considered and there may be situations where it works for some investors, but you could also consider the option of confining these picks to a small percentage of your portfolio. Using this strategy, you could potentially take advantage of broader market trends while still enjoying the thrill of choosing a specific set of stocks. 

All Investments Involve Some Risk

The risk of analysis paralysis is a real one. Investing in anything beyond a Federal Deposit Insurance Corp. (FDIC) insured bank account involves some risk—and if you spend too long mulling over how much risk is too much, you run the very real risk of missing out on investment gains as your funds sit idle on the sidelines. 

Neither you nor any financial professional you may be working with control everything, including your investments. It may feel less like you are at the mercy of the market’s every whim if you remind yourself of what you can control—how much you invest, what you invest in, and how often you check your portfolio’s value. 

An Appropriate Asset Allocation May Do the Job for You

One of the keys to staying calm during market chaos is ensuring your asset allocation is tailored to your risk tolerance, investment horizon, future financial needs, and the tax treatment of the investments.

For example, say you began investing—with more than 30 years until retirement—and were able to invest aggressively in assets that were likely to provide the highest rate of return over a long-term horizon. As retirement draws closer, you would likely need to focus on reallocating some of your investments into lower-risk securities to hopefully have the liquidity you need when you no longer receive a regular paycheck. 

You might also mitigate some stress from managing your investment accounts by regularly reviewing and adjusting your asset allocation. And if it makes sense, common or otherwise, consider meeting with a financial professional to discuss strategies that are appropriate for you and your investment goals.

1Benefits of Holding Stocks for the Long-Term, Investopedia
 https://www.investopedia.com/articles/investing/052216/4-benefits-holding-stocks-long-term.asp

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments.

All indexes are unmanaged and cannot be invested into directly.

Asset allocation does not ensure a profit or protect against a loss.

S&P 500 Index: The Standard & Poor’s (S&P) 500 Index tracks the performance of 500 widely held, large-capitalization US stocks.

Dow Jones Industrial Average (DJIA): A price-weighted average of 30 blue-chip stocks that are generally the leaders in their industry.

The NASDAQ-100 is composed of the 100 largest domestic and international non-financial securities listed on The Nasdaq Stock Market. The Index reflects companies across major industry groups including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology, but does not contain securities of financial companies.

All information is believed to be from reliable sources; however LPL Financial makes no representation as to its completeness or accuracy.

This article was prepared by WriterAccess.

LPL Tracking #1-05330159

To access your investment account – click the button below. The login page for LPL will open in a new window.

If you have access issues, CONTACT KIRTLAND FINANCIAL SERVICES.

Let's Make Friends

Share the love! Get $200 for you and your friend for each qualified referral you make.

Online and Mobile Banking are currently experiencing technical difficulties and may be intermittently unavailable. We apologize for any inconvenience this causes our members.