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The stock market goes up… and down. Sometimes within a short period of time.

A well-thought-out investment plan can help keep emotion from driving your decisions. For
example, you might decide in advance to take profits when the overall market rises by a
predetermined percentage. You might try to hedge the risks of one investment by buying
something else that may profit if that investment struggles. Or you might use a buy-and-hold
strategy for core investments, but be more flexible with other assets.

Next, check your asset allocation. Has it changed because of market forces? If one type of asset
now represents too small—or too large—a piece of your portfolio, you might want to

If you want to adjust your allocation but are worried about making sudden moves at the wrong
time, you don’t have to do everything at once. You could use market volatility to your advantage. Market cycles offer both obstacles and opportunities. For example, if you missed out on an investment in the past because it was too
expensive, the price might be lower now. If you have losses in a taxable account, you may be
able to use them at tax time to reduce the amount of income tax you’ll owe.

Remember, markets go up… and down. Everyone faces investment setbacks; good investors
learn from them.

All investments are subject to market fluctuation, risk, and loss of principal. When sold,
investments may be worth more or less than their original cost.

Dollar-cost averaging does not ensure a profit or prevent a loss. Such plans involve continuous
investments in securities regardless of fluctuating prices. You should consider your financial
ability to continue making purchases during periods of low and high price levels. However, this
can be an effective way for investors to accumulate shares to help meet long-term goals.

To learn more and schedule a meeting with one of our advisors, click here:

Advisory Services offered through MRA Advisory Group, a Registered Investment Adviser. This information was developed by Broadridge, an independent third party. It is general in nature, is not a complete statement of all information necessary for making an investment decision and is not a recommendation or a solicitation to buy or sell any security. Investments and strategies mentioned may not be suitable for all investors. Past performance is no guarantee of future results. Nothing herein, nor any attachment, shall be considered to constitute (i) an offer to sell, nor a solicitation of an offer to purchase, any security or (ii) tax or legal advice.