When your life is a little hectic, it may be tempting to disregard everything you know about smart investing. But abandoning a well-considered investment strategy in reaction to current events may undermine your plans for your financial future. Review these tried-and-true investing tips before you make a move.Crane Investment Services Logo

Keep Emotions at Bay
An extended bull market can leave you feeling overly optimistic about future stock values, just as a prolonged bear market may send you fleeing to fixed-income investments. Investment decisions should never be based on emotion. You created your investment plan for a reason. Don’t let an emotional reaction to market swings derail it.

Diversify Your Investments
A portfolio that spreads your investing dollars across a variety of asset classes, geographical regions and market sectors may help reduce your portfolio’s volatility. Holding a variety of investment types that react differently to the same market conditions may help cushion your portfolio against major losses.

Forget Market Timing
Attempting to buy investments when prices are low and sell when they’re high is a strategy that even seasoned investors often can’t execute successfully. Following your investment plan can help prevent you from selling securities when prices are down, potentially preserving your portfolio’s value.

Moderate your Risk
Taking too much risk with your investments can put your portfolio’s returns in jeopardy, but taking too little risk may leave your without enough savings to reach your goals. Make sure the amount of risk you take with your investments matches your risk tolerance and investing time frame.

Crane Investment Services advisors are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), Member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Broker Services, Inc., is a registered broker/dealer in all fifty States of the United States of America.