5 Tips to Confidently Investing with Peace of Mind

5 Tips to Confidently Investing with Peace of Mind

Do you know where your money is invested? If you have investments in the stock market, it’s crucial to understand how they’re being managed. Are you leaving those decisions to someone else, perhaps an advisor or through your employer-sponsored plan, or are you handling them yourself? You might be surprised by how your money is allocated. Take the time to know the balance between equities and bonds and your exposure to U.S. and international markets. Let’s explore key points to help you gain confidence and peace of mind in your investment decisions.

“Know what you own, and know why you own it.” — Peter Lynch

5 Tips to Confidently Invest With Peace of Mind

1. Seize Opportunities and Protect Yourself Against Risk

Investing is easier when markets are rising. The challenge comes when the market dips, requiring you to make more nuanced decisions. Remember this simple rule: limit your losses and let your profits run. It might sound basic, but many investors sell their winning positions too early and hold onto losing ones for too long. Accepting a small loss is better than letting it escalate if an investment falls.

Markets can be unsettling, especially when they drop sharply for several days. This may lead you to make decisions based on fear and emotions, which can lead to greater losses. Instead, establish a system that suits you with robust risk management measures. When the market changes direction, act decisively to protect your investments.

2. Use Risk Management to Sleep at Night

No matter what others might say, you want to feel comfortable and secure with your investments. My rule is simple: if you are not sleeping at night, your investment portfolio is incorrect; it’s time to change. ~Bonnie Gortler

Your goal is to protect your assets while growing and sustaining wealth.

3. Be in Control of Your Financial Future.

Decide whether you prefer to manage your investments yourself or work with a money manager. It’s not an all-or-nothing decision. Many investors enjoy making their own trades, which can be satisfying in good times but much more challenging during market downturns.

Another option is to diversify your strategy by having an advisor oversee a portion of your portfolio while you retain control over the rest. Stay informed about your investments and keep in regular contact if you have a manager.

4. Create a Plan for Your Future

Start by asking yourself some questions. What steps are you taking today to build your investment strategy for tomorrow? Are you postponing planning because you think you lack money or believe there’s plenty of time? Consider this: where do you see yourself in five years if you continue on your current path?

Unexpected events happen. The best time to prepare is now, not later. Do you have six to eight months of living expenses saved up in case of an emergency? Don’t wait to save for retirement, a dream home, college, or the travel you’ve always wanted. Small steps today can create lasting financial security in the future. Remember, a clear plan and good advice lead to sound investment decisions.

5. Create the Ability for Flexibility If Market Changes

Develop the flexibility to shift your portfolio quickly if needed. Do you have an exit strategy for when the market trend changes? Can you easily switch your investments into safer options, like cash or money markets, to minimize risk? Markets change rapidly. If your portfolio is tied up in assets that aren’t easily accessible, consider making changes to increase flexibility.

Successful investing will impact your life for years to come. Define your investment goals and determine the timeline needed to achieve them. Regularly assess whether the market is rising or falling. When the market is rising, it’s easier to make money, and forgiving strategies may work. However, if the market is falling, you’ll want an exit strategy to protect yourself. Remember, markets fall twice as fast as they rise. Capital preservation is key to confidently investing with peace of mind. Manage your risk, and your wealth will grow.

If you have any questions or need more guidance, contact me here.

If you like this article, you will love my free report Three Keys for Embracing Well-Being https://www.bonniegortler.com/3-keys-for-embracing-well-being/

Bonnie S. Gortler

Bonnie Gortler, a Consultant, Coach, and Author, is a Wealth & Well-Being expert with over 35 years of experience in managing multi-million-dollar client portfolios at a top-rated investment firm. As the author of Journey to Wealth, Bonnie is dedicated to teaching the importance of risk management and achieving true financial well-being by integrating both the technical and mental aspects of investing. With an M.B.A. and certification as a life coach, Bonnie combines her passion for coaching, consulting, and blogging to inspire people globally. Her powerful techniques and winning mindset help others experience personal growth and financial success. Explore wealth-building tips, personal development strategies, and more at BonnieGortler.com, and discover how you can enhance your wealth and well-being.  


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