When the Dow Industrials announced a 6.3 percent loss in June, its worst June performance since 1930, analysts declared that investors had officially entered Bear territory. A few months into this new reality and some of us are still wondering, What now? Mike Flower, an independent financial professional with Financial Principles in Fairfield, says that the oft-heard advice "stay the course" doesn't mean that investors should literally do nothing. Flower and nine fellow registered representatives affiliated with Securities America, Inc., one of the nation's largest independent broker/dealers, have developed 10 Smart Moves for Investors to Consider in a Bear Market.

Fairfield, NJ (PRWEB) September 16, 2008 -- When the Dow Industrials announced a 6.3 percent loss in June, its worst June performance since 1930, analysts declared that investors had officially entered Bear territory. A few months into this new reality and some of us are still wondering, What now? Mike Flower, an independent financial professional with Financial Principles in Fairfield, says that the oft-heard advice "stay the course" doesn't mean that investors should literally do nothing. Flower and nine fellow registered representatives affiliated with Securities America, Inc., one of the nation's largest independent broker/dealers, have developed 10 Smart Moves for Investors to Consider in a Bear Market.

1. Re-examine your goals. The volatile market has Patricia Hinds, Personal Wealth Manager for Granite Financial in St. Cloud, MN, spending time talking with her clients about their short-term, mid-term and long- term financial goals. "When we identify which assets are earmarked for each goal and examine the history and recovery period of bear markets, investors with a long-term horizon should find some reassurance," explains Hinds. Hinds also stresses that risk tolerance and asset allocation vary with age, income, life stage, marital status and other factors. "I'm re-emphasizing that portfolio changes should reflect changes in your life rather than changes in the market," says Hinds.

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