The best strategy in accomplishing your investment goals is to:  stay focused; review your portfolio regularly and modify it when necessary.  And be sure to disregard much of the inane “noise” that you may hear or read in the media.  The media can be dangerous that way!

Over the past month, all three major U.S. stock market indices rose in a range of 4%-to-6% as of last friday’s market close. This seems to have been somewhat of a continuation of the economic recovery, which has been going on since early March of 2009.

So, without panic or market volatility, market analysts and pundits are constantly cranking-up the noise machine.  Will Apple, Inc. reach a $1 Trillion market volatility?  Or, as NASDAQ closed at 4,963.53 last week, some like to remind us the last time it closed above 5,000–only a sliver higher than this past Friday–it began a three-year free-fall, which ended at just above 1,000.

I am quite happy to be an Apple shareholder; however, there is absolutely no reason for me to be focused on whether it has a total market value of $700 Billion or $1 Trillion.  Likewise, an investor who has properly balanced their portfolio–by asset class (stocks, bonds and cash); foreign and domestic; and among the 11 industrial sectors (i.e. consumer products, energy, health care, technology, etc.)–he or she wouldn’t be overly-dependent upon any one investment or even type of security. And, always be sure to gradually shift assets,  from Growing to regular Distribution, over time. And again, modify as necessary.

One important point, which many investors fail to take into consideration, is the fact that your investment goals don’t end, either on the day that you actually retire, or the young man or woman enters college.  All portfolios should, at least, contain some stocks since the costs of health care, tuition and living expenses, in general, will continue to rise over time.  Remember to plan that you might live to a ripe old age in retirement, and/or the scholar(s) might go on to graduate or professional school.  Lastly, inflation should always be factored into your investment program.



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