Market Declines Are Normal
Market declines are normal. In fact, since 1900,
there have been 113 declines on 10% or more. 


What's Reasonable to Expect
Stock market performance over the past few years was
nothing like the booming '90s. It's imperative to maintain realistic
expectations for the long term and expect more volatility over the short term.


Time in, Not Timing
Time in the market is what counts, not timing. Ic's nearly impossible to predict market movements. That's why its a good idea to stay invested over the long term. Dont run the risk of missing a rebound by taking your money out. While there are never any guarantees of a quick rebound, history has shown that investors who remained invested were rewarded.


Keeping Your Balance
Maintaining a long-term focus on your investments isn't always easy,
but it can be very rewarding over time.


Cover Your Bases
What performs well today may not perform well tomorrow. Because you'll never know exactly where the market is going, it may be wise to cover your bases with investments in every major asset class.

Ann Wolfson Associates
White House, 7030 E. Genesee St.
Fayetteville, NY 13066
315-449-4730
Email: wolfsoa1@ae.cadaretgrant.com
Securities offered through Cadaret Grant & Co. Inc. Member NASD/SIPC 4769 Buckley Road Liverpool, NY (315) 451-5885