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Look Past the Present

Decisions made in the heat of the moment can have a big impact on our lives.

Selling when markets get rocky is a prime example. Periods of uncertainty can tempt us to make decisions that fly in the face of our goals. An analysis by the Schwab Center for Financial Research found that investors who missed just the top 10 trading days of 2009—a very volatile year for stocks—would have fared worse than those who stayed invested through the ups and downs.1

Market swings are an inevitable—and uncontrollable—part of investing. What is within our control is how we react to the ups and downs.

By sticking to your plan and ignoring the day-to-day buzz of the market, you’re less likely to make irrational decisions that could upend your goals. And if you ever need help putting together a plan that will serve you in good times and bad, we’re always just a phone call or click away.



Walt Bettinger

President & CEO

1Schwab Center for Financial Research with data from Morningstar. Example compares two hypothetical $100,000 investments made on 01/01/2009. One portfolio remained invested for the full year. The other missed the top 10 best-performing days of the year. Market returns are represented by the S&P 500Ò Index, and top days are defined as the best-performing days during 2009. The year began on the first trading day in January and ended on the last trading day of December, and daily total returns were used. Returns assume reinvestment of dividends. Fees and expenses would lower returns. When out of the market, cash is not invested. Past performance is no guarantee of future results.

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Important Disclosures:

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.

Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.


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