Page 29 - Southern Exposure - September '24

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Southern Exposure, Page 29

finanCial foCus ®

Know The Risks Of Investing – And Not Investing

By Sally Sima Stahl

Inves ting involves that receive the highest credit ratings from independent When you invest, risk can’t be eliminated, but it can
risk — and so does not rating agencies. be managed. Keeping this in mind, consider a long-term
investing. You should know • Certificates of deposit (CDs) – Although CDs are investment strategy that allows for risk but also offers the
how both these types of risk generally considered safe because their principal is possibility of reward.
can affect your ability to guaranteed, they do carry reinvestment risk — the risk that This article was written by Edward Jones for use by
reach your financial goals. you won’t be able to reinvest the proceeds of a maturing your local Edward Jones Financial Advisor, Edward
Let’s start with the CD at the same interest rate. To help protect against this Jones, Member SIPC.
risks associated with risk, you could own CDs of varying maturities. When Edward Jones is a licensed insurance producer in
investing. There’s not a market rates are low, you’ll still have your longer-term all states and Washington, D.C., through Edward D.
single investment risk CDs paying higher interest, and when market rates rise, Jones & Co., L.P., and in California, New Mexico, and
because different types of you can reinvest the money from your maturing shorter- Massachusetts through Edward Jones Insurance Agency
investments carry different term CDs into the new, higher-paying ones. of California, L.L.C.; Edward Jones Insurance Agency of
types of risk. Here’s a look at three investment categories Now, let’s turn to a completely different type of New Mexico, L.L.C.; and Edward Jones Insurance Agency
and some of the risks connected with them: risk — the risk of not investing. And this risk is easy to of Massachusetts, L.L.C.
• Stocks – When you invest in stocks or stock-based understand: If you don’t invest, or if you consistently Edward Jones, its employees, and financial advisors
mutual funds, you will incur the risk that the value of invest only in the most conservative vehicles, your money cannot provide tax advice. You should consult your
your investments may decline. Stock prices can fall for may not grow enough to allow you to reach your important qualified tax advisor regarding your situation.
any number of reasons – lower-than-expected earnings, long-term goals, such as a comfortable retirement. Contact us at (561) 748-7600, Sally Sima Stahl, CFP ,
®
a change in management, change in consumer tastes, and Of course, this doesn’t mean you should never own AAMS , 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
™
so on. Although the historical trend for stocks has been conservative investments, including CDs and some types
positive, there will always be periods when prices are of bonds. When you’re saving for a short-term goal,
down. One way to help defend against this volatility is such as a down payment on a house, a wedding or a long
to hold stocks for the long term, rather than constantly vacation, you want the money to be there when you need
buying and selling, and to own a mix of stocks from it, so an investment that offers protection of principal may Attention Dog Owners
different industries and even different countries. be appropriate, even if it doesn’t provide much in the way It is your responsibility to pick up
• Bonds – When market interest rates rise, the value of growth.
of your bonds can decline because investors won’t pay For those long-term goals, though, you may need after your dog. It’s the law. Some of
full price for them when they can get the newer ones that to build an investment portfolio that contains growth you have been negligent in
offer higher rates. Another type of risk associated with potential and that reflects your personal risk tolerance doing so. Please keep our
bonds is credit risk, which essentially describes the risk and time horizon. Over time, your risk tolerance may
that the bond issuer may default, potentially disrupting change. As you get closer to retirement, you may want community beautiful!
your flow of interest payments. However, you can help to take a somewhat more conservative approach — but
mitigate this risk by purchasing investment-grade bonds you’ll always need some elements of growth.

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