Page 22 - Abacoa Community News - January '22

Page 22, Abacoa
Financial Focus

What Should You Know perception of investment risk is risks. When you purchase foreign stocks, you’ll find that
The most common
fluctuations in the value of currencies relative to the U.S. dollar
About Investment Risk? simply the risk of losing money. can affect your returns. Also, international investments may
When you invest in stocks and carry political risk, since some foreign governments and political
By Sally Sima Stahl stock-based vehicles, such systems may change in ways that work against businesses in
When you invest, you incur risk – there’s no avoiding as mutual funds, there are no those countries. To contain these types of risk, you’ll want to
it. But the concept of “risk” may be more expansive than guarantees that your principal – maintain an appropriate allocation of international holdings and
you realized. And by understanding the different types your initial investment amount diversify across regions.
of investment risk and how these risks can be addressed, – will be preserved. Generally Ultimately, your most broad-based defense against all types
you can improve your skills as an investor. speaking, if you hold stocks of risk is to build a diversified portfolio containing U.S. stocks,
or mutual funds over a period international stocks, corporate bonds, mutual funds, government
securities and other investments. Diversification works because
of years, and even decades,
Make Your Child you can reduce the likelihood of sustaining losses that could it helps reduce the impact that market volatility can have on your
send your investments’ value to zero. Hopefully, the value of
portfolio if you only own one type of asset, such as domestic
A Better Reader your investments will rise over time. And it’s worth noting that, stocks. (However, diversification can’t guarantee profits or
protect against all losses.) And you’ll also want your portfolio
since the Great Depression, U.S. stocks have averaged 9.59%
annual returns, according to Morningstar Direct, an investment
to reflect your individual tolerance for risk.
research service. However, past performance can’t guarantee By being aware of the different types of risk, and taking steps
By Jim Forgan, Ph.D., future results. to mitigate them, you can create a strategy that offers the potential
School Psychologist In any case, this type of risk is real, and it’s a factor to consider to help you achieve your important goals, such as a comfortable
Every child needs when making your investment decisions. But you can’t avoid retirement. And by doing so, you’ll avoid the greatest risk of all:
to learn how to read all risk by avoiding stocks and putting your money into other not investing for your future.
but one in five children types of investments. Consider bonds, for example. When you This article was written by Edward Jones for use by your
have dyslexia so it is no purchase a bond, you typically receive regular interest payments local Edward Jones Financial Advisor, Edward Jones, Member
surprise that many kids and you get back your initial investment when the bond matures, SIPC.
have problems learning provided the issuer doesn’t default. But if interest rates go up Edward Jones is a licensed insurance producer in all states
to read. Warning signs and you want to sell your bond before it matures, you’ll have and Washington, D.C., through Edward D. Jones & Co., L.P.,
of dyslexia include to offer it at a “discount,” because no one will pay the full price and in California, New Mexico and Massachusetts through
having a family member for your bond when they can buy new ones at a higher rate. Edward Jones Insurance Agency of California, L.L.C.; Edward
diagnosed or suspected You can help manage this type of interest rate risk by owning Jones Insurance Agency of New Mexico, L.L.C.; and Edward
to have dyslexia, slow reading aloud, difficulty a variety of bonds with different maturities. When interest rates Jones Insurance Agency of Massachusetts, L.L.C.
sounding out unfamiliar words, and weak everyday are rising, you can reinvest your short-term bonds at the new, Edward Jones, its employees and financial advisors cannot
spelling. higher rates. And in a falling-rate environment, you can still provide tax advice. You should consult your qualified tax advisor
Here are three ways you can help make your child benefit from your longer-term bonds, which typically pay higher regarding your situation.
a better reader. interest rates. Contact us at (561) 748-7600, Sally Sima Stahl, AAMS, 1851
First, make reading enjoyable and capitalize on Foreign or international investments also contain specific W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
your child’s interests since when we are interested in a
topic it holds our attention and intrinsically motivates Dyslexia, ADD/ADHD,
us. Children who struggle with reading need adults to
read to and with them well into middle school. While
typical readers prefer to read by themselves starting Gifted Testing
in about fourth grade, struggling readers continue to
need you to be the guide by their side. Many children
enjoy reading graphic novels such as I Survived or The NOW OFFERING: Dr. Jim Forgan & Associates
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Next, recognize and verbalize that you notice your Licensed School Psychologist
child’s struggle. It is alright to say, “I know reading is • Testing for Processing www.JimForgan.com
harder for you but you have what it takes to become a Problems, Anxiety,
good reader. The more we practice, the better you’ll Defiance (561) 625-4125
become.” Teach your child to have grit which is the • Weekend and After
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Notice your child having grit in a preferred task and then
link it back to the harder task. You might say, “You really
stuck with that project and put in a lot of effort to finish “Helping Parents Help Children”
it. You can have that same kind of grit when it comes to
reading or anything you set your mind to accomplish.”
Third, if your child and you butt heads during
academic work time, hire a well-qualified reading tutor. It
takes at least twice a week tutoring to make a substantial Need More Storage?
difference in your child’s reading ability. I have a list
of specialized reading tutors at JimForgan.com/tutor or
visit the Lindamood-Bell Learning Center in Palm Beach WE CAN HELP!
Gardens or the Reading Success Center in Palm City.
We offer dyslexia, learning disability, IQ, and
ADHD/ADD testing. Learn more at JimForgan.com
or call (561) 625-4125.

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