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How can I protect myself from market volatility?

While the stock market continues to fluctuate with current events and the economy, we need to prepare our investments to deliver what we need for our goals. Historically, stocks have had a promising rate of return. However, you should note that history is no guarantee of future market performance.

Stay focused.

You need to keep some perspective on how you have your money invested during market shifts. Quickly reacting to the market may have a negative effect on achieving your investment goals.

Be realistic.

Don’t expect the market to bounce back overnight; it will take time to build back.

Do not panic and keep your goals in mind.

Know why you're investing and the time needed to achieve your goals.

Diversify.

Reduce the amount of risk with your investments by spreading your money across asset classes.

Invest regularly.

While there’s no guarantee that your money will increase, you may be able to reduce your overall average share price with regular investments like a Systematic Investment Plan.

Beef up your emergency fund and insurance.

Prepare for the unexpected by setting aside an emergency fund and making sure that your insurance coverage will support you through job loss or incapacitation.

Reduce your debt.

Look for ways to consolidate and reduce existing debt from high interest borrowing.

Debt Consolidation Guide

Work with a Financial Advisor.

A Financial Advisor can help you assess your goals and adjust your investment strategy.

Locate a Financial Advisor at a Branch Near You

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07/04

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

Only deposit products are FDIC-insured.

Periodic investment plans do not assure a profit and do not protect against loss in declining markets. Since such a plan involves continuous investment in securities, investors should consider their financial ability to continue purchases through periods of low price levels.

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