New at Investing? Follow These Suggestions If you're fairly new to investing, you might be wondering what sort of rules you should follow or moves you should make. And while everyone's situation is different, there are indeed guidelines that make sense for all investors Here are some to consider weeks. Investing just doesn't work that way-instead, it's a decades-long process of know about the basic compo- carefully choosing, managing nents, the more confident you'll and adjusting a diversified portfolio that's suitable for your individual needs. And by main- familiar with the essential types taining a long term focus, you'll be less susceptible to making ill-advised moves in response to short-term market events Don't get scared off by some investments are designed downturns. If you invest for to provide growth-an increase many years, it's inevitable that in the investment's value- while you will experience sharp drops in the financial markets. But these declines are actually a payments, and still others may normal part of investing. If you overreact to them by selling Set your goals. You need to investments just because their know why you're investing- and price has dropped, you'll not that means you must clearly de only be breaking a cardinal rule fine your goals. Do you want to of investing- to buy low and retire early? When you do retire, sell high- but you'll also be what kind of lifestyle would you disrupting the type of cohesive, like to have? Are you planning continuous investment strategy that's necessary to help you Learn the basics. The investment world can seem confusing, but the more you be when you begin to invest. For starters, you'll want to be of investments: stocks, bonds mutual funds, government securities and so on. And it's also important to know that others provide income in the form of dividends or interest offer growth and income. on helping your children (or grandchildren) pay for college? Once you've established your goals, you can create the achieve your goals. Get some help. You may find it easier to navigate the invest- appropriate investment strategy ment landscape if you get some for achieving them, taking into help from a professional advisor account your time horizon and -someone who understands risk tolerance. your goals and family situation Invest regularly. At first, you and who can make appropriate may only be able to afford to put in small amounts to your in- A financial advisor can also sug vestment accounts, but even so, gest changes to your portfolio try to contribute regularly. You'll in response to changes in your get into the habit of investing and, later on, when you earn more money. you can ramp up such as a new date for retire- your contributions. If you have a 401(k) or similar plan at work, the money can come out of your paycheck before you even lowing these suggestions, you investment recommendations. life (new job, child graduating college, etc.) and in your goals, ment When you invest, there aren't many guarantees. But by fol see it. will know, at the very least, that you're taking the steps that can lead to success Think long term. As you begin investing, it's import ant to have the right attitude. Specifically, don't look for the "hot" investments that will make for use by your focal Edward Jones you a "bundle" in a matter of This article was written by Edward Jones Financial Advisor Joe Peacock, AAMS® Financial Advisor www.edwardjones.com Member SIPC 453 First Street Menominee, MI 49858 906-863-7870 Edward Jones MAKING SENSE OF INVESTING New at Investing? Follow These Suggestions If you're fairly new to investing, you might be wondering what sort of rules you should follow or moves you should make. And while everyone's situation is different, there are indeed guidelines that make sense for all investors Here are some to consider weeks. Investing just doesn't work that way-instead, it's a decades-long process of know about the basic compo- carefully choosing, managing nents, the more confident you'll and adjusting a diversified portfolio that's suitable for your individual needs. And by main- familiar with the essential types taining a long term focus, you'll be less susceptible to making ill-advised moves in response to short-term market events Don't get scared off by some investments are designed downturns. If you invest for to provide growth-an increase many years, it's inevitable that in the investment's value- while you will experience sharp drops in the financial markets. But these declines are actually a payments, and still others may normal part of investing. If you overreact to them by selling Set your goals. You need to investments just because their know why you're investing- and price has dropped, you'll not that means you must clearly de only be breaking a cardinal rule fine your goals. Do you want to of investing- to buy low and retire early? When you do retire, sell high- but you'll also be what kind of lifestyle would you disrupting the type of cohesive, like to have? Are you planning continuous investment strategy that's necessary to help you Learn the basics. The investment world can seem confusing, but the more you be when you begin to invest. For starters, you'll want to be of investments: stocks, bonds mutual funds, government securities and so on. And it's also important to know that others provide income in the form of dividends or interest offer growth and income. on helping your children (or grandchildren) pay for college? Once you've established your goals, you can create the achieve your goals. Get some help. You may find it easier to navigate the invest- appropriate investment strategy ment landscape if you get some for achieving them, taking into help from a professional advisor account your time horizon and -someone who understands risk tolerance. your goals and family situation Invest regularly. At first, you and who can make appropriate may only be able to afford to put in small amounts to your in- A financial advisor can also sug vestment accounts, but even so, gest changes to your portfolio try to contribute regularly. You'll in response to changes in your get into the habit of investing and, later on, when you earn more money. you can ramp up such as a new date for retire- your contributions. If you have a 401(k) or similar plan at work, the money can come out of your paycheck before you even lowing these suggestions, you investment recommendations. life (new job, child graduating college, etc.) and in your goals, ment When you invest, there aren't many guarantees. But by fol see it. will know, at the very least, that you're taking the steps that can lead to success Think long term. As you begin investing, it's import ant to have the right attitude. Specifically, don't look for the "hot" investments that will make for use by your focal Edward Jones you a "bundle" in a matter of This article was written by Edward Jones Financial Advisor Joe Peacock, AAMS® Financial Advisor www.edwardjones.com Member SIPC 453 First Street Menominee, MI 49858 906-863-7870 Edward Jones MAKING SENSE OF INVESTING