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Maintain Focus
What are your long-term investment goals?
One of the keys to achieving the growth you need to reach your long-term goals is to maintain a disciplined investment strategy over time. With the help of your financial advisor, the “Three Investment Buckets” model can help make sure that you stay focused on your long-term goals through all types of market conditions.
The “Three Investment Buckets” model
A quick, easy way to evaluate whether or not your long-term strategy is on track is to think of investing as filling three types of investment buckets: short-, intermediate- and long-term. These buckets can be used as a guide to help you determine if you have the right investment mix for your long-term goals and with your financial advisor's help, make adjustments if necessary.
Staying focused through changing markets
The “Three Investment Buckets” model is especially useful in helping you maintain your long-term focus in volatile times. Before responding to market volatility and making changes to your investment portfolio, talk to your financial advisor. You may want to consider:
- What type of investments am I now holding in my portfolio?
- When do I need this money?
- How much risk can I take with these investments?
- Am I really generating the type of investment returns I need to reach my long-term goals?
- What am I planning to do with this money?
- Am I making a change in my portfolio because of emotion, or strategy?
With the help of your financial advisor, your answers to these questions can help you determine if your current investments belong in the Short-, Intermediate- or Long-Term Investment Bucket and can provide you with the information you need to better position your portfolio for the future.
The bottom line: You need long-term investments to meet your long-term goals.You’re unlikely to realize your long-term goals if all of your money is allocated to shorter-term investments that have less potential for growth.
M4588A3.2 (02/09)
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