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Should You Hold Or Sell Your Investments?

Feb 25, 2008
The stock market is a big deal. It is a big deal when it is rising, and it is a big deal when it is falling. No matter what, it is always a big deal.

You should feel this way about your personal investment in the stock market as well. You should feel good when the stock market is increasing, and you should be worried when it starts to drop. But let's repeat the most important part: you should be worried, not freaking out, when the stock market starts to drop.

If you were trying to lose weight and you had a few weeks where you didn't lose a single pound, throwing in the towel wouldn't help you lose any weight at all. If you wanted to keep losing, you would have to keep eating right and exercising through those rough weeks of weight loss. Ironically, it is the same way with your investments.

It might be hard to see your number go down instead of up for a while, but you have to learn that it is okay. Now let's compare your body to your retirement fund. Just as you will keep counting calories and cutting back on sweets and soda, you need to keep feeding your retirement account.

Everyone planning to retire should have some sort of retirement account, whether it be an IRA or a 401(k) or any other type of retirement account. When times are great and when times are rough, you always have to feed your retirement account.

Set up a direct transfer from your checking account to your retirement account and have the same amount of money transferred each week or month. This will keep your retirement account building with out having to remember to take care of it. This is a great rule for those in their 20's and also for those that are 58.

The only rule of thumb about investing that depends on age is risky investments. If you have more than ten years until you retire and plenty of cash to invest, go ahead and do it. You should have plenty of time to ride the market out, making your risky investments well worth the wait.

If you are planning to retire in the next three years, you are probably best to put your money in your retirement account. You wouldn't want to be stuck living on a little while you wait multiple years for your risky investments to ripen.

Besides the mandatory retirement that everyone should have, we should all have other investments spread out through a variety of stocks and bonds. If you are unsure about how to invest your funds, you can use the help of a financial advisor or other investing firm to help you spread out your dough.

Just like we all need to keep exercising and eating right to keep our bodies in shape for retirement, it is important that we keep out heads up with our finances too. Don't get afraid and jump out of the market just because it is scary. Hang on and ride it out, and find a better time to cash out your investments.
About the Author
Court is an internet marketing consultant and helps people to learn about internet marketing.
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