5 Time-Tested Techniques for Investing for Retirement

  1. Evaluate your investment mix. Because no one can regularly predict how investments will perform in the future, dividing your money among the different types of assets is a way to help reduce risk.
  2. Review your portfolio. Annually evaluate how your investments are performing by comparing returns with their appropriate benchmarks.
  3. Focus on the long term. Although history can’t predict the future, despite downturns the market has always recovered. In fact, large-company stocks, as measured by the Standard & Poor’s 500 Index, have outperformed all other types of investments since 1926.
  4. Invest regularly. Despite market conditions, start or continue to invest regularly through employer-sponsored retirement plans or mutual fund automatic investment plans. Investing a fixed amount of money at regular intervals, called dollar-cost averaging, turns the market’s ups and downs to your advantage. That’s because your money buys fewer shares when prices are up and more when they’re down.
  5. Don’t chase performance. Keep informed, but don’t be swayed from your long-term investment plan based on market fluctuations or the barrage of conflicting commentaries from market analysts.

At Heritage Trust, our registered Advisors help clients make decisions that are in line with their comfort level and time frame.  Together, we will build a plan that will help you grow, protect and disperse your assets in a way that is best suited to your needs.

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If you are just starting your career and want to look at 401(k) options, if you are a transitioning employee looking to edit your portfolio or if you are ready for retirement, we can help.

Contact us today at (843) 832-7529 or by email .

All Securities Through Money Concepts Capital Corp., Member FINRA / SIPC
11440 North Jog Road Palm Beach Gardens, FL 33418
Phone: 561.472.2000
Copyright 2010 Money Concepts International Inc.

Investments are not FDIC or NCUA Insured
May Lose Value – No Bank or Credit Union Guarantee 

Heritage Trust Retirement & Investment Services is an independent firm not affiliated with Money Concepts Capital Corp.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.


Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.