保持投资 Volatile Markets: Strategies for Success

Stock market fluctuations happen every day. Market indexes and stock prices may move up one day and they might move down the next. Volatility like this is normal, but the more dramatic the swings, the greater the potential risk. 当你管理你的投资时, it’s important to understand the nuances of 市场波动 so you can stay the course during turbulent times.

是什么 市场波动?

Market volatility measures how much and how quickly prices move over a period of time. 市场可以上下波动, but the bigger and more frequent the change, 市场越不稳定. It is measured by the standard deviation of price changes over time. (在统计数据, standard deviation allows you to see how much something differs from the standard value.)

Increased volatility on the stock market can cause fear and uncertainty among investors, but consider this: Although double-digit declines occur, stocks have 从历史上看 recovered from major downturns and delivered long-term gains.

的方法 驾驭市场波动

• 重新审视你的目标. A 财务顾问 can help you define and prioritize your goals to help guide your investment approach，无论市场情况如何. Focusing on your long-term goals instead of daily market fluctuations can help you avoid making emotional decisions about your portfolio. Plan to check on your portfolio annually and review your goals whenever you experience a major change in your life.
• 评估你的风险承受能力. If you’re having a hard time coping with a market downturn, talk with your financial professional. More conservative investments might help your anxiety—and likely yield greater returns than cashing out.
• 保持多元化. Your portfolio should include investments across and within the major asset classes: equities (stocks), 固定收益(债券), cash equivalent or money market instruments, and alternative investments (real estate, 大宗商品, futures and other financial derivatives). Remember all investments fluctuate in price: Basic consumer goods are typically a stronger investment during a recession, while industrial stocks tend to thrive in a booming economy. Meanwhile, lower-risk, fixed-income investments tend to provide steady returns.
• 看看大局. While past performance doesn’t guarantee future results, 从历史上看, investors who stay in the market have seen steady gains over time. Focus on your long-term goals and long-term market trends to lessen your anxiety about market fluctuations. 记住, 当市场下跌时, 你的投资会走得更远, allowing you to purchase more shares that may bring in returns during the next market upswing.
• 用其他方式建立你的财务. 还清你的信用卡债务，保持你的 应急基金, and focus on other financial goals, such as 为大事攒钱比如家或度假.
• 谨防欺诈. Beware of financial scammers promising “risk-free” returns. Only work with registered investment professionals. 你可以用 BrokerCheck, a database managed by the Financial Industry Regulatory Authority (美国金融业监管局) or check the Securities Exchange Commission (SEC) website to research professional backgrounds of investment professionals, brokerage firms and investment advisor firms.

与一个 财务顾问

It’s tempting to react impulsively when markets fall sharply. But instead of selling off your stock or changing the allocation of your long-term investment portfolio, this is a good time to speak with an investment professional.

Patelco会员可以访问 CFS财务顾问¹ who can help identify investment options that may help minimize volatility within your portfolio without cashing out on growth-oriented investments. Schedule your in-person or online consultation 今天!