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No Perfect Time

A common mistake investors make is to sit on the sidelines until they’ve deemed it “safe.” Unfortunately, a market’s potential isn’t always clear until much of the gains have already been made. Thus, by waiting for the perfect moment to invest, those who hesitate can miss out.

That’s why we encourage people to view investing as a lifelong journey in which steady progress is more important than perfect market timing. Indeed, our research shows that setting aside even modest amounts—and continuing to do so when markets turn rocky—can yield better results than trying to anticipate the market’s ups and downs.1 So why do some people wait … and wait?

It’s because they fear making the wrong move at the wrong juncture—something FDR acknowledged when he cautioned a nation in the grip of the Great Depression that “the only thing we have to fear is fear itself.”

One way to combat such fears is with a plan of action, which is why we created Schwab Intelligent Advisory™, which pairs online planning tools with the seasoned advice of a Certified Financial Planner™. By articulating our goals and developing a long-term strategy to reach them, we’re much less likely to succumb to emotion.

Whether you’ve already created a financial plan or are just starting the process, make sure it’ll weather both good times and bad. Because, over the long haul, time in the market almost always beats timing the market.


Walt Bettinger

President & CEO

1Is There Ever a ‘Bad’ Time to Invest?”, 02/17/2017.

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Important Disclosures

Charles Schwab Investment Advisory, Inc., is an affiliate of Charles Schwab & Co., Inc.

Schwab Intelligent Advisory™ is made available through Charles Schwab & Co., Inc. (“Schwab”), a dually registered investment adviser and broker-dealer. Portfolio management services for Schwab Intelligent Portfolios™ are provided by Charles Schwab Investment Advisory, Inc. (“CSIA”), a registered investment adviser. Please refer to the disclosure brochures for details about Schwab Intelligent Advisory. Free credit balances are swept into deposit accounts at Charles Schwab Bank (“Schwab Bank”). Brokerage products and accounts are offered by Schwab, Member SIPC. Deposit and lending products are offered by Schwab Bank, Member FDIC and an Equal Housing Lender. Schwab, CSIA, and Schwab Bank are affiliates and are subsidiaries of The Charles Schwab Corporation.

Please read the Schwab Intelligent Advisory™ disclosure brochures for important information.

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.


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