November Newsletter
November 6th, 2019
Captain's Log


Last month we were begging for cooler fall weather and now we're hoping that winter doesn't set in too quickly. North Carolina has a special way of flinging us from one season to the next, then back and forth a couple more times, just to keep it exciting. At least we finally got the rain we've so desperately needed, so I guess we can't complain. The time change and earlier sunsets are pushing us all into realizing that the end of the year is nearing and soon we'll be wrapped up in the craziness of the holiday bustle. We always like to remind people to take some time to review their finances before the next couple of months fly by with holiday excitement. 

This month's The Wealth Report is a pretty interesting read, as it discusses how our behavior can impact our earnings potential when it comes to investing. Behavioral finance, as the study of this phenomena is called, is something we take into account with the families that we help with managing their invested accounts. As the article states, we are not machines and our emotions can influence our actions when it comes to managing invested portfolios, which can help or hurt you. 

At JDS, we use a tool called Riskalyze to help our clients land on a solid Risk Number, which tells us your risk tolerance based on theories of behavioral finance. Having an accurate measure of your risk tolerance allows for better selection of investment models and gives you something to calm your worries during the times that we would potentially see emotions leading you to making irrational investing decisions.  

For those of you not currently working with our investment team, feel free to reach out for a risk analysis. We can send you a Riskalyze questionnaire and analyze whether your current portfolio is in line with your Risk Number. It doesn't hurt to do a checkup on your investments every now and then, just to see if you're doing what makes sense for you. 

If  there is anything we can assist you with, then just let us know.  And, as always, remember -  The purpose of the money dictates where you put it.  

Until Next Month,
Jim's signature
  James D. Stillman


12:00 - 3:00PM


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The Wealth Report:

How Investor Behavior 
Influences Portfolio Performance

The concept of efficient markets rests on the belief that investors behave rationally - buying when prices are low and selling when they are high. However, that practice goes against the grain of human behavior. 

We are not machines; out behavior frequently is based on our emotional reactions. How we respond can vary based on a number of factors, such as market volatility, what's going on in our personal lives and even the mood we're in that day. Unlike when feelings negatively affect our decisions at home or work, an irrational investment choice can't be erased by an apology or change in behavior. Only a shift in the markets can get your stock investment back at its previous place. 
All content is intended for informational purposes only. Any guarantees are for insured products only and are dependent on the claims paying abilities of the insurer.  All investments carry some risk and you should be advised by your personal financial advisor before implementing any strategies discussed, as they are not suitable for everyone. James D. Stillman is an Investment Advisor Representative of JDS Wealth Management Corporation and AE Wealth Management. 

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