Page 28 - April 2025 FINAL

28 April 2025 NHTownCrier.com

selling to avoid volatility or capture significant gains. It’s
also a strong recommendation to consider rebalancing Come to the Table
your portfolio, buying asset classes that have fallen An Auction and Fundraiser
below a portfolio’s long-term allocations and selling Friday, May 16 5:30-9pm
th
those that are higher, while staying fully invested.
Regular rebalancing can lead to more consistent returns Empowered Pathways is pleased to present Come to
and again manage your risks, something we always the Table (CTTT), a unique fundraising experience
want to do. The markets are never a completely smooth and auction, on Friday, May 16th, 5:30 pm to 9:00 pm,
ride, but some simple strategies can help reduce losses at Hart’s Hill Inn. The event includes food stations
and help you maintain performance in the long-term. by Harts Hill Inn and desserts and hors-d’oeuvres by
1 - Source Bloomberg and Wells Fargo Investment Patrick O’Conner’s Feast & Festivities. Susan Nackley
Institute data, February 1994 through January 2024 Mojave is the event Emcee and Co-Auctioneer. Ronnie

Christopher J. Carbone for the S&P 500 Index. Best days are calculated using Leigh, Syracuse's Jazz in the City co-founder and artistic
daily returns. An index is unmanaged and not available director, will be providing musical entertainment
The Risks of Trying to Time for direct investment. A price index is not a total for the evening. CTTT features beautiful, one-of-a-
The Markets return index and does not include the reinvestment of kind tablescapes created by talented local designers, a
dividends. Past performance is not guarantee of future themed basket drawing, silent auction items, a cocktail
Timing is everything – whether it’s navigating traffic results. hour, and food stations by Hart’s Hill. The evening
to get to work on time or getting a table at a popular This article was written by/for Wells Fargo Advisors culminates with a live auction, where bidders compete
restaurant. If you miss the window, you might end up and provided courtesy of Christopher J. Carbone, CFP®, to take home the best table design of the night. “This
stuck in traffic or waiting in line longer than you’d like AWMA®, LUTCF® First Vice President - Investment event gets bigger and better every year.” said Stephanie
for dinner. Timing can be tricky for everyday activities, Officer - Financial Advisor in New Hartford, NY at Eghigian, Empowered Pathways Executive Director,
and it’s even more challenging when it comes to the (315) 723-7386. “The designers always outdo themselves, turning their
markets. If your timing is off with the markets, research tablescapes into stunning works of art. It’s a very lively
Investment and Insurance Products are: • Not Insured
shows it could cost you. It’s a significant risk. by the FDIC or Any Federal Government Agency • Not event that’s both unique and visually beautiful.” Proceeds
Making the Right Call a Deposit or Other Obligation of, or Guaranteed by, from the event will support Empowered Pathway’s
For some investors, timing the market is like calling the Bank or Any Bank Affiliate • Subject to Investment conflict resolution services, job readiness training,
the right play in football: if you do it right, the risk Risks, Including Possible Loss of the Principal Amount youth services, and support services for women and
could be worth the reward. However, if your timing is Invested. Wells Fargo Advisors is a trade name used by families. All funds raised are invested locally, making
off, you could end up getting sacked. Missing even a Wells Fargo Clearing Services, LLC, Member SIPC, a a difference and saving taxpayer dollars where our
handful of the market’s best days can dramatically cut registered broker-dealer and non-bank affiliate of Wells supporters live and work. For more information, please
your investment returns. Conversely, missing several Fargo & Company. visit https://ComeToTheTable2025.eventbrite.com or
of the worst days in the markets can potentially offer ©2024 Wells Fargo Clearing Services, LLC. All rights call 315-724-1718 ext. 201.
higher returns, but the strategy behind trying to miss reserved. PM-05202026-7365903.1.1
the bottom of trading can be challenging.
Historically, missing just 10 of the best days in the
markets, a very small amount over a 30-year period,
would have dropped your annual average rate of return
from 8% to 5.26%. Missing 30 days and the drop would
have been even more steep to near 1.8%. If you missed
40 days, the drop would have been even more to .44%.
Change that to a 50 day miss and your annual return
would have hit a negative, -.86% annually. ¹
In The News
Markets fluctuate greatly and interest rates rise and
fall, but outside factors like politics and international
trade can also affect investment returns monthly,
weekly, even daily. Predicting change is really just
guessing. Diversification in investments can be a better
overall strategy, limiting exposure and risk by building
your portfolio to address your short-term and long-
term goals. As life changes with marriage or divorce, a
new baby, a new job or even retirement, it’s important
to review your financial goals.
The Bottom Line
I believe the best strategy to help manage your risk
is to avoid trying to time the markets and remain fully
invested throughout a complete market cycle, rather
than attempting to time the market by buying and