Six key concepts to help you weather the investment storms

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The key to surviving the roller coaster ride of investing, writes investment adviser David Aston, is to maintain a balanced portfolio of quality stocks and bonds and to focus on long-term investing

As you probably realize all too well, it’s a turbulent and uncertain time to be an investor.

Your portfolio could still get battered in the months ahead, but that approach should help ensure you do reasonably well over the long-term if you stick with it. But it’s important to realize that markets look forward and the troubled outlook is already reflected in current prices. Stocks and investment grade bonds play complementary roles in your portfolio that balances each other’s strength and weaknesses. Stocks provide most of your long-term investing returns but are volatile, while investment grade bonds provide only a modest amount of yield but come with a lot of downside protection during recessions.

Investment analysts typically value a stock by projecting discounted cash flows over a long period like 20 years. A relatively small proportion of the stock’s true “intrinsic” value is based on what happens in the next year.Furthermore, no one can reliably predict when a recession might start and end, nor the timing of how markets will anticipate and react, so you won’t be able to time markets reliably.

 

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