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Coming this summer: Golden Valley branch in Canyon Country

Thoughts on Investing in 2009

Jan Franklin, President of LFCU's Investment Division, will answer this quarter's investment question.

Jan Franklin
President, LFCU
Financial Services Inc.
Financial Consultant

Q. 2008 was not a good year for my investment accounts. What can I do to make 2009 better?

A: 2008 could very well be the year that most of us would like to forget. The Dow Jones Industrial Average was down 47% at the low on Nov. 20 and some of the oldest financial institutions in the country succumbed to bankruptcy. How will 2009 fare? No one can say with certainty; the times are challenging to say the least. That's why it is important to review your portfolio and make sure that you're well-positioned to take advantage of the long-term upside potential from the lows we've seen recently.

The good news is that you're not alone when it comes to making important financial decisions. An LFCU Financial Consultant can help you determine what strategy is best for you, review your risk tolerance and make adjustments to your portfolio where necessary. More important, they have the experience to help you uncover opportunities in this challenging market.

Here are some helpful tips to consider:
  • Don't sell based on emotion
  • Employ dollar-cost averaging to feel better about up and down markets*
  • Know your tolerance for risk
  • Meet with your financial consultant to re-evaluate your overall investment strategy

LFCU can help you create a financial plan of action to navigate uncertain markets. Schedule a no-obligation consultation with an LFCU Financial Consultant today. Visit www.lfcu.com or call (800) 553-3707 today.

  *  Dollar-cost averaging (systematic investment plans) cannot
guarantee a profit nor protect against loss in a declining market.
You should consider your financial ability to continue investing in
a declining market.

Registered Representatives of and securities and certain insurance products are offered through INVEST Financial Corporation, member FINRA/SIPC and affiliated insurance agencies. INVEST is not affiliated with LFCU Financial Services, Inc. Products offered are:

• Not a Deposit • Not FDIC or NCUSIF Insured
• Not Guaranteed By LFCU
• Not Insured By Any Federal Government Agency
• May Lose Value



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