Financial Focus Make Investments Work as Hard As You Do Labor Day is almost here. Of course, this year, the holiday may have a different impact, given the employment-related stress and disruptions stemming from the coronavirus. Yet, it's good to recognize the value of work and its importance in achieving your life's goals. But if you're going to retire comfortably and reach your other financial objectives, you also need to invest and your investments need to work as hard as you do. investments work efficiently for you by matching sideways, it's important to keep investing and keep a reasonable percentage of growth-oriented investments in your portfolio, with the exact amount depending on your goals, risk tolerance and time horizon. These investments will fluctuate in value, but the longer you hold them, the more the impact of short-term drops may be reduced, especially if you maintain a diversified portfolio, although diversification, by itself, can't ensure a profit or protect against loss in a declining them with specific goals. You also want to keep your investments "on the job." In the immediate aftermath of large market downturns, such as we saw earlier this year, many people simply stopped investing altogether. But taking a "time out" can be costly. For one thing, when you stop adding to your investment portfolio, you reduce its growth potential. market. To help make this happen, you need to know why Furthermore, if you're on the investment sidelines, you're investing in the first place. You likely have a variety of financial goals, including short-term ones a long vacation, a new car - and long- term ones, such as a comfortable retirement and the desire to leave a legacy for your family. But you can't invest in the same way for these goals. For example, when you're planning an overseas vacation for next year, you want a certain amount of money to be available at a certain time, so you'll months' worth of living expenses), you may not want want an investment that offers a high degree of preservation of principal. However, when you're saving for a retirement that may be decades you might miss out on the next market rally - and Finally, here's one other step you can take to help keep the biggest gains often happen in the carly stages of these rallies. your investments working hard: Check up on them periodically. Review your portfolio at least once a year to determine if it's still helping you make progress Not everyone simply abandons the investment world following a downturn, though- some people toward your goals. If it seems like you're falling behind, just put more money into cash and cash equivalent accounts. And while it's a good idea to have enough cash on hand for emergencies (about three to six you may need to adjust your investment mix. You've probably discovered that hard work pays off for you in just about every endeavor - so why should it be any different with investing? Keeping your investments to have cash as the major component of your portfolio. working diligently can help boost your chances of Cash simply doesn't "work" hard enough in the sense of providing you with long-term growth opportunities. achieving your important financial goals. away, you need to consider investments that offer growth potential. In any case, you can help your So, whether the markets are moving up, down or This artide was written by Edward fones for use by your local Edward Jones Financial Advisor. Edward fones, Member SIPC Edward Jones Sean P. Asiala AAMS Edward Jones Michael C. Caley AAMS Edward Jones Pam Covington CFP" AAMS Edward Jones Tod Heisler AAMS Edward Jones Jason Korner CFP Edward Jones Quinn Nofziger Edward Jones Gwen Ruppert Financial Advisor Financial Advisor Financial Advisor 6525 Constitution Dr. Fort Weyne. IN 404 Financial Advisor 7030 Pointe Invemess Wiy Sute 125 Fort Wayne, IN Ma04 432-3613 Making Sense of Investing Financial Advisor Financial Advisor 14413 inois Rd Ste E Fort Wayne, IN 40814 Financial Advisor 991 Chestnut Hls Parkway Fort Wayne, IN 48814 7525 West Jetterson Bivd. Fort Wayne. IN 804 7329 West Jetterson Bivd. 414 S. Scott Rd. Fort Wayne. IN 46804 Fort Wayne. IN 46814 432-0304 625-5700 Making Sense of Investing 478-8038 Making Sense of Investing 444-3134 Making Sense of Investing 399-5853 Making Sense of Investing 625-3524 Making Sense of Investing Making Sense of Investing Financial Focus Make Investments Work as Hard As You Do Labor Day is almost here. Of course, this year, the holiday may have a different impact, given the employment-related stress and disruptions stemming from the coronavirus. Yet, it's good to recognize the value of work and its importance in achieving your life's goals. But if you're going to retire comfortably and reach your other financial objectives, you also need to invest and your investments need to work as hard as you do. investments work efficiently for you by matching sideways, it's important to keep investing and keep a reasonable percentage of growth-oriented investments in your portfolio, with the exact amount depending on your goals, risk tolerance and time horizon. These investments will fluctuate in value, but the longer you hold them, the more the impact of short-term drops may be reduced, especially if you maintain a diversified portfolio, although diversification, by itself, can't ensure a profit or protect against loss in a declining them with specific goals. You also want to keep your investments "on the job." In the immediate aftermath of large market downturns, such as we saw earlier this year, many people simply stopped investing altogether. But taking a "time out" can be costly. For one thing, when you stop adding to your investment portfolio, you reduce its growth potential. market. To help make this happen, you need to know why Furthermore, if you're on the investment sidelines, you're investing in the first place. You likely have a variety of financial goals, including short-term ones a long vacation, a new car - and long- term ones, such as a comfortable retirement and the desire to leave a legacy for your family. But you can't invest in the same way for these goals. For example, when you're planning an overseas vacation for next year, you want a certain amount of money to be available at a certain time, so you'll months' worth of living expenses), you may not want want an investment that offers a high degree of preservation of principal. However, when you're saving for a retirement that may be decades you might miss out on the next market rally - and Finally, here's one other step you can take to help keep the biggest gains often happen in the carly stages of these rallies. your investments working hard: Check up on them periodically. Review your portfolio at least once a year to determine if it's still helping you make progress Not everyone simply abandons the investment world following a downturn, though- some people toward your goals. If it seems like you're falling behind, just put more money into cash and cash equivalent accounts. And while it's a good idea to have enough cash on hand for emergencies (about three to six you may need to adjust your investment mix. You've probably discovered that hard work pays off for you in just about every endeavor - so why should it be any different with investing? Keeping your investments to have cash as the major component of your portfolio. working diligently can help boost your chances of Cash simply doesn't "work" hard enough in the sense of providing you with long-term growth opportunities. achieving your important financial goals. away, you need to consider investments that offer growth potential. In any case, you can help your So, whether the markets are moving up, down or This artide was written by Edward fones for use by your local Edward Jones Financial Advisor. Edward fones, Member SIPC Edward Jones Sean P. Asiala AAMS Edward Jones Michael C. Caley AAMS Edward Jones Pam Covington CFP" AAMS Edward Jones Tod Heisler AAMS Edward Jones Jason Korner CFP Edward Jones Quinn Nofziger Edward Jones Gwen Ruppert Financial Advisor Financial Advisor Financial Advisor 6525 Constitution Dr. Fort Weyne. IN 404 Financial Advisor 7030 Pointe Invemess Wiy Sute 125 Fort Wayne, IN Ma04 432-3613 Making Sense of Investing Financial Advisor Financial Advisor 14413 inois Rd Ste E Fort Wayne, IN 40814 Financial Advisor 991 Chestnut Hls Parkway Fort Wayne, IN 48814 7525 West Jetterson Bivd. Fort Wayne. IN 804 7329 West Jetterson Bivd. 414 S. Scott Rd. Fort Wayne. IN 46804 Fort Wayne. IN 46814 432-0304 625-5700 Making Sense of Investing 478-8038 Making Sense of Investing 444-3134 Making Sense of Investing 399-5853 Making Sense of Investing 625-3524 Making Sense of Investing Making Sense of Investing