The basics of investing
Infographic: The Basics of Investing
Ready. Set. Go! Are you ready to make investing part of your overall plan?
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Ready. Set. Go!
Make investing part of your overall strategy.
Set your goals.
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The earlier you start, the easier it will be to reach your goals.
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You have to save 15x more per month to reach $1M by age 65 if you start saving at 55, versus if you start at 25.¹
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For every bear there’s a bull, and for every bull there’s a bear.
There are always ups and downs, but staying invested is important to help reach your long-term goals.
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Diversification can help you minimize risk…
…and reach your financial goals over the long term.
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A mix of growth and protection strategies…
…can be the optimal route to financial success.
Place your trust in a financial professional.
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Financial professionals can help take the emotion out of investing. Investing based on emotion is hard to avoid without professional support and can lead to poor decision-making.
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A professional can create comprehensive, personalized plans that evolve with your needs. Specialized tools and know-how are key to planning, executing, and managing a successful long-term investment strategy.
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Past results show a 100% equity portfolio has yielded 9.5%* versus 8.1% for the average equity fund investor.2
*Past performance does not guarantee future results.
A financial professional with Park Avenue Securities can…
Create a diversified portfolio with minimized overlap and volatility. [Graphic of a circle with a checkmark inside it.] DIVERSIFICATION. [Graphic of a human figure grasping a section of a pie chart.]
[Graphic of a human figure ascending bars of increasing height and holding a shield.] Help you avoid common risks while focusing on protection and growth. [Graphic of a circle with checkmark inside it.] PROTECTION AND GROWTH.
Assess the amount of risk that’s most important for you individually. [Graphic of a circle with a checkmark inside.] RISK TOLERANCE. [Graphic of a semicircular meter with the needle pointing to the upper right.]
Help manage the emotional reaction that can undermine an investment plan, and take a longer view to drive portfolio growth through market fluctuations. [Graphic of a line graph with a solid, zig-zagging line and a dotted straight line plotted on it.] [Graphic of a circle with a checkmark inside.] MARKET FLUCTUATIONS.
[Graphic of a human figure holding a paper or clipboard and pointing with a stick to a board with five circular graphs.] Help determine how your money should be allocated across asset classes. [Graphic of a circle with a checkmark inside.] ASSET ALLOCATION3.
[Graphic of a weight balance with one solid-colored triangular object on one side and a triangular object made up of three different-colored segments on the other side.] Keep your portfolio balanced and on target with as-needed rebalancing to stay in line with your objectives. [Graphic of a circle with a checkmark inside.] PORTFOLIO REBALANCING.
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Park Avenue Securities is a wholly owned subsidiary of The Guardian Life Insurance Company of America. Member FINRA, SIPC.
1 The statement assumes $381 per month at 25 years old versus $5,778 per month at 55 years old to accumulate $1M by age 65. This represents monthly savings necessary using a 7% hypothetical rate of return (compounded). This is for illustrative purposes only and not indicative of any investment. © Morningstar. All Rights Reserved.
2 Dalbar Inc. Indexes used are as follows: REITS: NAREIT Equity REIT Index, EAFE: MSCI EAFE, Oil: WTI Index, Bonds: Barclays U.S. Aggregate Index, Homes: median sale price of existing single-family homes, Gold: USD/troy oz, Ination: CPI, Equities: S&P 500. The average equity index fund investor is comprised of a universe of funds that are designed to track the performance of a U.S. equity market index. Average equity investor return is based on an analysis by Dalbar Inc., which utilizes the net of aggregate mutual fund sales, redemptions and exchanges each month as a measure of investor behavior. Returns are annualized (and total return where applicable) and represent the 20-year period ending 12/31/21 to match Dalbar’s most recent analysis.
3 Asset allocation and diversification do not guarantee pro‑t or protect against market loss. Advisory and financial planning solutions are only offered by investment adviser representatives. This document is intended for general public use and is for educational purposes only. By providing this content, Park Avenue Securities LLC is not undertaking to provide any recommendations or investment advice regarding any specific account type, service, investment strategy or product to any specific individual or situation, or to otherwise act in any fiduciary or other capacity. Please contact a financial professional for guidance and information that is specific to your individual situation.
2022-136598 (Exp. 04/24)
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