Page 11 - Jupiter Spotlight - January '22

Jupiter Spotlight, Page 11
Financial Focus

What Should You Know In any case, this type of risk is real, and it’s a factor to U.S. stocks, international stocks, corporate bonds, mutual
funds, government securities and other investments.
consider when making your investment decisions. But you
About Investment Risk? can’t avoid all risk by avoiding stocks and putting your Diversification works because it helps reduce the impact
money into other types of investments. Consider bonds, that market volatility can have on your portfolio if you
By Sally Sima Stahl for example. When you purchase a bond, you typically only own one type of asset, such as domestic stocks.
W he n y ou i nv e st , receive regular interest payments and you get back your (However, diversification can’t guarantee profits or
you incur risk – there’s initial investment when the bond matures, provided the protect against all losses.) And you’ll also want your
no avoiding it. But the issuer doesn’t default. But if interest rates go up and you portfolio to reflect your individual tolerance for risk.
concept of “risk” may want to sell your bond before it matures, you’ll have to By being aware of the different types of risk, and taking
be more expansive than offer it at a “discount,” because no one will pay the full steps to mitigate them, you can create a strategy that
you realized. And by price for your bond when they can buy new ones at a offers the potential to help you achieve your important
understanding the different higher rate. goals, such as a comfortable retirement. And by doing
types of investment risk You can help manage this type of interest rate risk so, you’ll avoid the greatest risk of all: not investing for
and how these risks can be by owning a variety of bonds with different maturities. your future.
addressed, you can improve When interest rates are rising, you can reinvest your short- This article was written by Edward Jones for use by
your skills as an investor. term bonds at the new, higher rates. And in a falling-rate your local Edward Jones Financial Advisor, Edward
The most common perception of investment risk is environment, you can still benefit from your longer-term Jones, Member SIPC.
simply the risk of losing money. When you invest in bonds, which typically pay higher interest rates. Edward Jones is a licensed insurance producer in
stocks and stock-based vehicles, such as mutual funds, Foreign or international investments also contain all states and Washington, D.C., through Edward D.
there are no guarantees that your principal – your initial specific risks. When you purchase foreign stocks, you’ll Jones & Co., L.P., and in California, New Mexico and
investment amount – will be preserved. Generally find that fluctuations in the value of currencies relative to Massachusetts through Edward Jones Insurance Agency
speaking, if you hold stocks or mutual funds over a period the U.S. dollar can affect your returns. Also, international of California, L.L.C.; Edward Jones Insurance Agency
of years, and even decades, you can reduce the likelihood investments may carry political risk, since some foreign of New Mexico, L.L.C.; and Edward Jones Insurance
of sustaining losses that could send your investments’ governments and political systems may change in ways Agency of Massachusetts, L.L.C.
value to zero. Hopefully, the value of your investments that work against businesses in those countries. To contain Edward Jones, its employees and financial advisors
will rise over time. And it’s worth noting that, since the these types of risk, you’ll want to maintain an appropriate cannot provide tax advice. You should consult your
Great Depression, U.S. stocks have averaged 9.59% allocation of international holdings and diversify across qualified tax advisor regarding your situation.
annual returns, according to Morningstar Direct, an regions. Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
investment research service. However, past performance Ultimately, your most broad-based defense against all 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
can’t guarantee future results. types of risk is to build a diversified portfolio containing
Jupiter Senior

Peripheral

Neuropathy? Softball 2022

FREE Consultation Winter League

for Acupuncture The Jupiter Senior Softball Association’s 2022 Winter
League began Jan. 3 with a record number of players
and teams. Teams in the White Division took to the field
at Jupiter Community Park. Teams in the Red and Blue
Divisions are to begin play in subsequent days.
League Commissioner Tom Cosentino said, “We are
looking forward to another fantastic Winter League.” He
561-745-1002 said the 180 players competing among 14 teams is the
most ever. Last year there were 158 participants on 13
teams. Games are every Monday, Wednesday and Friday
654 West Indiantown morning and will continue through March, followed by
THE PATIENT AND ANY OTHER PERSON RESPONSIBLE FOR PAYMENT HAS THE RIGHT TO pickup games the remainder of the year.
REFUSE TO PAY, CANCEL PAYMENT OR BE REIMBURSED FOR PAYMENT FOR ANY OTHER Road, Jupiter, FL 33458
SERVICE, EXAMINATION OR TREATMENT WHICH IS PERFORMED AS A RESULT OF AND The softball program is open to persons 55 and older.
WITHIN 72 HOURS OF RESPONDING TO THE ADVERTISEMENT FOR THE FREE, DISCOUNTED www.drlaruffa.com
OR REDUCED FEE SERVICES, EXAMINATION OR TREATMENT. Tom Salamone, who turns 55 in February, is among new
players this winter. “It’s been 30 years since I picked up
a bat and I’m glad I’m back,” Salamone said. He retired
last year after a 30-year career with Pfizer and learned
about the senior softball league through a friend who
CAMPBELL AND KARLIK, P.A. connected him with League Commissioner Cosentino.
The oldest active player is Mike Manasia, 89, a pitcher.
ATTORNEYS AT LAW The senior softball program is in its third decade and
is a cooperative effort of the nonprofit Jupiter Senior
Softball Association and the Town of Jupiter. New players
are always welcome and registration can be made online
Wills • Trusts • Estate Planning • Probate at www.lealguelineup.com/jssa.

Taxation • Real Estate • Corporations

Jupiter Senior Softball player Vic Troiano blasts a ball
towards the outfield.

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Tel: (561) 625-5220 561-746-3244
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Palm Beach Gardens, FL 33403 EMail: dlkarlik@aol.com to find out how!