Page 6 - The Shores of Jupiter - September '24

Page 6, The Shores
Financial Focus ®

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

Seeking Volunteers For Open Positions

Loggerhead Marinelife Center (LMC) is seeking dedicated with additional training provided. Certain positions may If you are looking for a meaningful way to give back to
volunteers who are passionate about marine life and are require applicants to be a minimum of 18 years old. Seasonal the community, LMC is the place for you!
looking to make a difference in their community. LMC and short-term internships and volunteer positions are For more information about volunteering at LMC or to
volunteers play an active role in sea turtle recovery, as well available in several mission-serving areas. Recruitment will apply, visit marinelife.org/volunteer.
as ocean conservation and education. be ongoing through October 31 or until positions are filled. Photos by Loggerhead Marinelife Center.
With numerous events and programs aimed at engaging the
community, the center relies heavily on the support of local
volunteers. LMC offers a range of volunteer positions for anyone
wanting to make an impact, including assisting in education and
conservation programs, providing excellent customer service in
the gift shop, working at the Juno Beach Pier, and assisting the
sea turtle veterinary team. Volunteers must be at least 16 years
old and work a minimum of one, three-and-a-half-hour shift per
week over the course of six months.
“Volunteers play a crucial role in our efforts to protect
sea turtles and their habitats,” said Kay Tennison, Volunteer
Program Manager at Loggerhead Marinelife Center. “We are
calling on individuals passionate about marine life to join us
in making a difference.”
Benefits of volunteering at LMC include:
• Exclusive staff and volunteer sea turtle experiences.
• Continued education opportunities through mission-
aligned training lectures and classes.
• Volunteer recognition awards and appreciation events. Are You Ready Hurricane?
• Staff discounts at the center’s gift store, and for summer
camps and visitor experiences.
• Staff discounts on scuba certifications, boat fees, and For The Next Storm?
rental gear.
• A fun community and environment of like-minded
individuals making a positive difference! No Air Conditioning?
To apply, fill out and submit the required application No Refrigeration?
online. Applicants will be contacted about open positions,
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