LPL Financial - Peter Graham

Over the past 20 years, the U.S. stock market has been much like a tide, experiencing ebbs and flows. These ups and downs remind us of the unpredictability of market movements. When stock prices are declining, many investors run the risk of making emotion-based decisions and pulling out of the market. We believe that by remaining fully invested through volatile weeks or months, however, investors can potentially avoid sitting on the sidelines at the wrong time. Wealth Manag ement Presented by: Peter L. Graham & Michael Giordano Investment Advisor Representative Advice For Life: “The Educated Investor” “The investor’s chief problem- and even his worst enemy- is likely to be himself.” -Ben Graham Peter L. Graham and Michael Giordano are Registered Investment Advisor Representa-tives with Linsco/Private Ledger located at 8 Tindall Road, Middletown, NJ. For more information, or to schedule an appointment call 732-671-8855 or e-mail me at peter. graham@lpl.com or visit our website at www.lpl.com/peter.graham. Remember: It’s time in the market that matters, not market timing How significant is the potential penalty for missing the market? In the time period 1987- 2007, being out of the market on the 70 days when the market advanced the most would have significantly reduced an investor’s average annual total return. Two keys to success are patience and commitment. Here are the results. During the time period 1987-2007 if invested all 5,296 days your average annual return is 11.50%, minus 10 best days 7.96%, minus 40 best days 1.30%, minus 70 best days -3.63%. Conclusion Securities offered through LPL Financial Member FINRA/SIPC The Penalty for Missing the Market While market fluctuations can be disconcerting, timing can be costly. A strategic, personalized investment plan, combined with ongoing counsel, can help you remain focused and keep market downturns in perspective. Call me today to find out how to build a better portfolio and live comfortably during retirement. I urge all of you to plan your future now by seeking the advice of a professional. <WEBSITE>lpl.com</WEBSITE> <EMAIL>peter.graham@lpl.com</EMAIL>