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Did the Market get a Speeding Ticket?!

Market declines are like speeding tickets - they are a reminder that there is always risk with investing and help to curb excesses! Bull markets without normal pullbacks can lead to a false sense of self-confidence, a disregard to fundamentals and valuation which can lead to speculation....a focus only on the upside potential and not the downside risk.

Just the same way, speed limits are set for a reason, both on the highway and around your neighborhood.  While we all may have good intentions of being aware, human nature can become complacent – focusing on the destination (the reward) without paying attention to the surroundings.

Market volatility and pullbacks are problems for the speculator, but not the investor. The investor doesn’t need to react to market volatility as they should already have appropriate plans in place for income and cash needs.

So the next time there’s a market pullback, remember that this is the market “policing” itself......the fine (and maybe points) might sting a bit in the short term, but it’s a necessary, healthy process for growth!

DISCLAIMER: Past performance does not predict future results. This report is based on data obtained from sources we believe to be reliable. Hefren-Tillotson does not, nor any other party, guarantee the accuracy or completeness of this report or make any warranties regarding results obtained from its usage. All opinions and estimates included in this report constitute the firms judgment as of the date of this report and are subject to change without notice. This report is for informational purposes only and is not intended as an offer or solicitation to buy or sell the securities herein mentioned.

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Hefren-Tillotson Inc. is a leading diversified financial services firm providing investment and retirement plan management and comprehensive, financial planning through MASTERPLAN® for individuals and businesses. The firm’s wealth management services are administered by Certified Financial Planner (CFP) professionals, Chartered Financial Analyst (CFA) Charter holders, attorneys, Chartered Life Underwriters, and CPA/PFS’s. Hefren-Tillotson offers corporate services including 401(k) retirement planning, executive financial counseling, fiduciary reviews and workplace financial planning seminars. Founded in 1948, the firm is headquartered in Pittsburgh and has offices located in Pittsburgh, Butler, Greensburg, North Hills, and South Hills. MEMBER SIPC.