Stay the course and you may reap the
benefits
Your retirement plan is a long-term investment, and
what we
are
experiencing is a
short-term fluctuation in prices. The past is a good
indicator that
markets move up
and down, and when the market is down, it has proven
to be a
good
buying
opportunity.
Think of these stocks that are trading lower as being
on
sale. You
may
have heard "buy
low and sell high." That strategy helps investors
make money
over
the
long term. If you
continue to invest regularly, you may
benefit.1
In the big picture, investing is a long game with
potential
to win.
In 80
percent of
all the years since World War II, the S&P 500 -
the
widely-used
investment
benchmark -- has experienced a positive 12-month
total
return.2
Diversify your portfolio
Diversifying your portfolio is one way to help steer
clear of
the
extreme
highs and lows
of the market because your money is distributed
among
different
investment types. There
are no guarantees, but diversification may provide
better
returns
with
less risk over time.
Consider an automatic investing solution and
pre-mixed
portfolio
offered
by your plan.
Always consider your time horizon
Again, remember that your retirement plan is a
long-term
investment.
As
retirement age nears,
most investors shift their money into more
conservative
investments.
Younger investors have
more time to invest and overcome market losses.
Think about
how many
years you have until
retirement before you make any changes to your
account.
1 WMAR News, Shrinking economy
raises 401(K)
concerns,
May 10, 2022
2 VOX.com, The stock market's
panicking, but you
don't
have to, May 11, 2022
This material represents an assessment of the
market environment at
a
specific point in
time and is not intended to be a forecast of future
events, or a
guarantee of future
results. This information should not be relied upon
by the reader as
research or investment
advice regarding any funds or stocks in particular,
nor should it be
construed as a
recommendation to purchase or sell a security. Past
performance is
no
guarantee of future
results. Investments will fluctuate and when
redeemed may be worth
more
or less than when
originally invested.
The S&P 500 Index is an unmanaged index of 500
stocks that is
generally representative
of the performance of larger companies in the U.S.
Please note an
investor cannot invest
directly in an index.
Neither asset allocation nor diversification
guarantee against loss.
They are methods used
to manage risk.
This is a general communication for informational
and educational
purposes. The information
is not designed, or intended, to be applicable to
any person's
individual circumstances.
It should not be considered investment advice, nor
does it
constitute a
recommendation that
anyone engage in (or refrain from) a particular
course of action. If
you
are seeking
investment advice or recommendations, please
contact your financial
professional.
Securian Financial's
qualified retirement plan
products are offered
through a group variable annuity contract issued by
Minnesota Life
Insurance Company.
Securian Financial is the
marketing name for
Securian Financial Group,
Inc., and its subsidiaries. Minnesota Life
Insurance Company is a
subsidiary of Securian
Financial Group, Inc.
DOFU
5-2022
2207009