My role involves researching the stock market and staying current on everything from taxes to investing. I then speak with my clients to understand their goals. From there, we build personalized financial plans, covering everything from how much to save to how much they should invest.<\/p>\n
Since the stock market declined on April 3 and 4<\/a>, the main concern I’m hearing right now is that people are seeing drops in their investment accounts<\/a> and are worrying that they’ll never recover. They wonder if they should make changes to their investments.<\/p>\n I get it \u2014 it’s reactionary. Here are four things I’m telling my clients right now about their investments.<\/p>\n 1. We planned for this<\/p>\n The No. 1 advice I give my clients is: We’ve planned for this. Your portfolio is intentionally built to withstand market downturns<\/a>. If the market crashes<\/a> or experiences volatility, we’ve already structured things to allow you to weather those storms.<\/p>\n Regarding investments, you mainly want to consider your time horizon or when you plan to use that money. If it’s a retirement account and you’re in your 30s, what’s happening with the market right now doesn’t make a big difference because you don’t need the money until 2050, and everything will be different.<\/p>\n Now, as they get closer to retirement, their portfolio should change, so they’ll become a bit more conservative. That way, if the market crashes like this one now, it won’t affect their portfolio as much.<\/p>\n For someone wondering how to be prepared for times like these, it’s all about ensuring your money is positioned based on your timeframe and what you need it for.<\/p>\n 2. There’s no need to panic<\/p>\n Next, stay on course. Just like on a plane, turbulence can be scary, uncomfortable, and shaky, but the worst thing you can do is jump off.<\/p>\n The same is true with investments: when the market goes up and down<\/a>, just know that’s part of flying on a plane. It’s normal to feel worried, but you don’t want to panic.<\/p>\n Essentially, when you’ve invested and the market crashes, you’re selling at a loss if you pull out. The best thing you can do is hold on to that investment.<\/p>\n We’ve had one client pull out and take money at a loss. <\/strong>We couldn’t talk them out of it. <\/strong>Luckily for them, we had multiple conversations, so they weren’t out of the market for too long and were able to mitigate their losses.<\/p>\n Typically, once you start drifting off, you’re essentially left behind \u2014 and the plane will leave without you.<\/p>\n 3. Stay in the know<\/p>\n
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