1. Yearly markets returns are negative about 30% of the time. While investing in financial markets, you should expect to get a negative return one out of every three years. It could be two negative years out of six.  
2. It is important to diversify, then diversify, and finally diversify. That means own cash, stocks, bonds, commodities, real estate, precious metals, and if possible businesses.
3. Long term, financial markets have given the best returns.
4. There are always good reasons markets go down; there are also good reasons markets go up. No one can predict the financial markets correctly all the time.
5. To make money in financial markets one has to BUY LOW and SELL HIGH. That means buying when everyone seems to be selling (markets have fall sharply) and selling when everyone is bragging about their stock portfolios. This seems trivial but it is very hard to do because buying during sell offs can lead to short term losses.
6. Worry more about your personal economy and less about the global economy. Focus on :

• growing your income 
• spending within your means with an appropriate budget
• paying less on your taxes using proven strategies
• being adequately insured to protect your assets
• diversifying your assets
• investing for your old age (retirement)
• protecting your family and estate

It is important to have a financial plan in order to stick to these fundamentals concepts.

A personal financial advisor can help you stick to these fundamentals.

For a FREE consultation call the office: 617 505 4478 or call me on my cell at 201 388 6554.