"Investors should purchase stocks like they purchase groceries - not like they purchase perfume." - Benjamin Graham, Investor

Portfolio fluctuations are inevitable. We believe staying fully invested and adding money is key to long-term success.

Falling share prices can be an opportunity to add to your holdings with systematic investing.

"People have a habit of investing in their most recent and pleasurable experience." - Warren Buffett, Investor

Some funds in your portfolio will fare better than others. We believe diversification can be one of the most effective strategies to capture the best returns when the tides turn.

Resist temptations to chase the "winners" and dump the "losers" in your portfolio. No one knows what tomorrow will bring.

"What makes real long-term sense is normally not obvious. the boundaries between wants and needs are not crisp. Dreams and hope tend to be compelling. Realistic expectations are often boring and frequently appear unimaginative." - Mike Shanahan, Investor

Family, friends and coworkers may occasionally give you tips. Their advice may not always be accurate or helpful.

Some investments can help preserve your capital during bear markets. Over the long-term, losing less can be more important than gaining more.

"Don't confuse motion and progress. A rocking horse keeps moving, but does not make any progress." - Alfred Montapert, Writer

Ignore news headlines. Try not to base investment decisions on emotion.

Don't be concerned if we advise you to "do nothing" with your account. We believe time in the market, not timing, is the key to long-term investment success.