Surviving the Roller Coaster Ride

One day the market is up, the next it’s down.  There are rules that can help you sleep at night, regardless of market fluctuations.

Diversify – Don’t keep all your money in one place or even in one type of investment.  Put some money into longer term, higher yielding vehicles.  Keep a portion liquid.

Consider risks – Generally, the higher the interest rate offered, the greater the risk of losing your investment.  That doesn’t mean you should avoid all risk and invest only in insured deposits, but assess your total financial picture.  Don’t ever invest more than you can afford to lose.  Retirees should generally invest more conservatively than those with many years until retirement.

Mind the market, not taxes – Income taxes are undoubtedly an important factor in your investment decision-making, but don’t let them be the tail that wags the dog.  First and foremost, consider what investment strategies and timing are best for your financial picture, then ask your tax adviser what effect taxes will have on your planning.


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Contact Information

Joe Woodward
Director of Institutional Advancement
(909) 482-5220


The materials contained on this website are intended only to show some ways by which you can make a charitable gift or bequest and thereby minimize federal tax liabilities, as authorized by the Internal Revenue Code. All examples are of a general nature only and should not be applied to your specific situation without first consulting your attorney or other advisers.