financial calculators

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How to Choose a Financial Planner

click on the link to read a short article in the Wall St. Journal on "How to Choose a Financial Planner."

It's Time In the Market, not Timing the Market that Creates Wealth over Long periods

This chart shows how a $10,000 investment would have been affected by missing the market's top-performing days over the 20-year period from January 1, 1989, to December 31, 2008. For example, an individual who remained invested for the entire time period would have accumulated $50,455, while an investor who missed just 10 of the top-performing days during that period would have accumulated only $26,006. This hypothetical example does not represent the performance of a specific investment.

Source: Standard & Poor's. Stocks are represented by Standard & Poor's Composite Index of 500 Stocks, an unmanaged index that is generally considered representative of the U.S. stock market. Past performance is no guarantee of future results. Investors cannot directly invest in an index.