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o m v v wefekdek saf ldxkibvavfe lw7tf r important to be prepared for market up and downs recent events in the mar ket only rein force the need to think long- term for equity investments and the need for a proper asset allocation in a well diversified portfolio virtually everyone agrees that returns for 1997 and 1998 are unlikely to equal the extra ordinary perfor mance of the past two years factor in recent market volatility and its no surprise investors are a little nervous best advice stay calm over the long term most investors are better off in the market than on the sidelines even when the market is volatile in fact how you react to market volatility can have just as big an influence on your total portfolio returns as the performance of each of your investments investors who try to time the markets fre quently under- perform those who simply stay the course here are a few things you can do to man age volatility and stay focused on longterm growth be realistic hot markets over the past two years have led some investors to see exceptional returns as the norm but double- digit returns for bonds and annual returns of 20 per cent plus for equities are historically atypical try to view performance in the context of the overall mar kets if north american inter est rates are in the five per cent to seven per cent range it is unrealistic to expect average domestic stock funds to furnish 20 per cent returns on a sus tained basis in fact a stock market risk premium over bonds of three to five per cent is consid ered more typi cal this gives a range of eight to 12 percent as reasonable five- year expecta tions for cana dian or us stocks remember that financial markets espe cially equity markets are volatile by nature remember also that they rise more often and by larger amounts than they fall one of the most effective ways to reach your perfor mance targets is to practice a buy and hold strate gy- diversify to shield our portfolio from volatil ity in any one sector it should include equities fixedincome securities and shorterterm invest ments such as guaran teed investment certifi cates and money market mutual funds for maximum effec tiveness your portfolio should also include inter national investments if you are unsure what mix of investment vehicles are right for you a finan cial advisor can help follow a plan its easy to decide to invest a certain amount of money every week or every month finance but following through on that decision isnt always so easy an automatic purchase plan can help ensure that your investment goals remain a priority over the years for longterm investors remember that anytime is a good time to buy when ever you have some extra cash on hand consider topping up your regular investments a few extra dollars today could increase your future growth potential significantly if markets decline use this opportunity to add to low low ten year term life insurance rates 10 year term male non smoker age 250000 500000 per month female 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