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By Michael Schoonmaker - October 31, 2018
Our number one job is delivering investment results. That performance-first focus hasn’t wavered for 60 years. Neither has our belief that, in our founder’s words, “The best is yet to be.”
There are three things to which we attribute our success: putting clients’ needs first, championing smart investing habits and staying true to our values. As we celebrate 60 years, our commitment to superior investment management still drives us. Let me also share some tenets we think can drive your success, too.
It may be our birthday, but we applaud our clients for the partnership and commitment to building their financial futures. It’s a goal we share. We appreciate the trust you placed in us to help.
"If we make others successful, we in turn will be successful."
James E. Stowers Jr.
Founder, American Century Investments
Successful investing doesn’t rely on luck or hope. Instead, it works best when you follow time-tested strategies. It’s true for how we manage money; it’s also true for how you manage your finances. Consider these strategies for yourself:
Trying to make money and avoid losses is more than just guessing at the market’s direction. Research confirms your best strategy is not trying to time the market but spending time in the market with a well-developed investment plan.
Time is on your side when investing for long-term goals. The chances of generating positive returns in your portfolio improves the longer you stay invested.
This hypothetical situation contains assumptions that are intended for illustrative purposes only and are not representative of the performance of any security. There is no assurance similar results can be achieved, and this information should not be relied upon as a specific recommendation to buy or sell securities.
When market alerts, political events and financial news dominate headlines, investors may feel compelled to make emotional decisions. As a result, the thrill of higher returns often drives investors to buy at the peaks, while panic amid declines causes them to sell low and lock in losses. That’s the opposite of what a well-structured approach would have you do.
Studies show that your investment success isn’t just about good performance. It’s also depends on you—your savings rate, your mix of stocks and bonds and how well you stick to your plan during times of crisis. If you’re still tempted to bail out during market downturns, it may be better to limit portfolio reviews to a set schedule, instead of reacting to headlines.
Take advantage of market swings by investing automatically. If you invest a set amount every month, over time you’ll buy more shares when the prices are low and fewer shares when the prices are high. To fully benefit from this strategy, known as dollar-cost averaging, you should be prepared to continue investing at regular intervals, even during market downturns.
Every investor should consider diversifying—investing in a variety of assets. That means spreading your money across many kinds of investments to help manage volatility.
Diversification should go beyond the general categories of stocks, bonds and cash. Each of these can be split further into more specialized categories to take advantage of different parts and behaviors of the investment markets.
For example, in the stock portion of your portfolio, you can choose funds that invest in companies of various sizes or locations (example: U.S. or non-U.S.). You can also choose funds that select companies based on a particular investing style, such as growth or value.
*The hypothetical scenario is an example of what a well-diversified portfolio might look like. This approach should be customized to address your objectives and comfort with risk and help you stay focused on your long-term goals.
Our late founder, Jim Stowers Jr., was a visionary who used grit, determination and hard work to turn a dream into reality. His goal was always about helping people—first with financial independence, then through important medical research. And he was able to combine these two passions in a unique way.
Inspired by his and his wife's personal experiences with cancer, Jim and Virginia Stowers wanted to give back to the countless people who made their lives so meaningful. To do that, they founded the Stowers Institute for Medical Research to help the millions of people affected by devastating diseases.
The Institute seeks to improve life's quality through innovative approaches to the causes, treatment and prevention of diseases like cancer, diabetes and dementia.
Knowing this ambitious research takes a long-term commitment, Jim and Virginia endowed the Institute with a controlling interest in American Century Investments®, which has paid $1.4 billion in dividends since 2000. Your partnership with us means we can continue to support this important work.
During our birthday month, we’ve taken a special look at some foundational beliefs. This reflection helps us continue to keep our eyes forward. forward. As you think about your financial journey, know that you can count on us to listen, provide guidance and get to know you. Learn more about us or don’t hesitate to call at 1-800-345-2021.
Putting clients first and championing wise investing habits.
October 31, 2018
1 American Century Investments assets under management as of Oct. 15, 2018.
This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.
As with all investments, there are risks of fluctuating prices, uncertainty of dividends, rates of return and yields. Current and future holdings are subject to market risk and will fluctuate in value.
Diversification does not assure a profit nor does it protect against loss of principal.
Dollar cost averaging does not ensure a profit or protect against a loss in declining markets. This investment strategy involves continuous investment in securities, regardless of fluctuating price levels. An investor should consider his or her financial ability to continue purchases in periods of low or fluctuating price levels.