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Robert A. Imparato, Jr CFP®
CERTIFIED FINANCIAL PLANNER™ professional
Craig A. Hyldahl CFP®
CERTIFIED FINANCIAL PLANNER™ professional
R.I.C.H. Planning Group, LLC
105 Fieldcrest Avenue, Suite #507
Edison, NJ 08837
Robert: 732-326-5240
Craig: 732-326-5240
Fax: 732-326-5331
Robert: robert@richplanninggroup.com
Craig: craig@richplanninggroup.com
Website: www.richplanninggroup.com
July/August 2021
Stick to Your True North
When your life is a little hectic, it may be tempting to disregard everything you know about smart investing. But abandoning a well considered investment strategy in reaction to current events may undermine your plans for your financial future. Review these tried-and-true investing tips before you make a move.
Keep Emotions at Bay
An extended bull market can leave you feeling overly optimistic about future stock values, just as a prolonged bear market may send you fleeing to fixed-income investments. Investment decisions should never be based on emotion. You created your investing plan for a reason. Don’t let an emotional reaction to market swings derail it.Diversify Your Investments
A diversified* portfolio that spreads your investing dollars across a variety of asset classes, geographical regions and market sectors may help reduce your portfolio’s volatility. Holding a variety of investment types that may react differently to the same market conditions may help cushion your portfolio against major losses.Forget Market Timing
Attempting to buy investments when prices are low and sell when they’re high is a strategy that even seasoned investors often can’t execute successfully. Maintaining a diversified portfolio and following your investment plan can help prevent you from selling securities when prices are down, potentially preserving your portfolio’s value.Moderate your Risk
Taking too much risk with your investments can put your portfolio’s returns in jeopardy should those risky investments take a nosedive. But taking too little risk may leave you without enough savings to reach your goals. Make sure the amount of risk you take with your investments matches your risk tolerance and investing time frame. Remember, though, as you near retirement, it’s important to reduce your exposure to riskier investments and concentrate on preserving gains while still holding some assets that can outpace inflation.* Diversification cannot eliminate the risk of investment losses. Past performance won’t guarantee future results. An investment in stocks or mutual funds can result in a loss of principal.
GE-3500314(3/21)(Exp.3/23)
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services.
R.I.C.H. Planning Group, LLC is not owned or operated by Equitable Advisors or Equitable Network. GE-6572038.1 (4/24)(Exp. 4/26)
CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc.
These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
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