Working Together to Make a Difference
In today's world, proper financial planning is more important than
ever. With increasingly complex financial markets, longer life
expectancies and uncertainty about Social Security and long-term health
care coverage, choosing the right mutual funds could play a critical
role in helping to secure your financial future. With more than 10,000
different mutual funds to choose from and hundreds of mutual fund
companies, one of the most important decisions you can make about your
future is to seek the advice of a qualified investment professional.
Here are a few reasons why:
1. An Investment Professional
May Help You Increase your Investment Results
A study covering the period of January, 1984 through March 31, 1996 by
DALBAR Financial Services, a respected financial services research
organization, shows that using a professional financial advisor may help you
achieve your financial goals. The study found that investors who purchased
equity and fixed-income funds through professional financial advisors
achieved higher returns than those who purchased funds on their own - by
more than 16% for their equity fund investments and more than 27% for their
fixed-income fund investments. According to the study, investors who paid a
sales load were more likely to hold onto their investments during periods of
market decline - by an average of 1.3 years more than investors who did not
seek advice or purchased a no load fund. Investors who stayed invested
longer enhanced their ability to increase their long-term returns, versus
investors who changed their investments more frequently. The study did not
reflect the impact of sales loads.
2. An Investment Professional takes time to fully understand your goals
& investment needs
It is your investment professional's business to get to know who you are
and what you want to achieve with your investments. Whether you're investing
toward a secure retirement, starting a college savings plan for a child, or
simply interested in accumulating additional assets for future needs, it's
your investment professional's job to help you clearly define both your
short- and long-term goals. After identifying your goals, you and your
investment professional will be able to create a
financial plan that suits your needs, your risk tolerance and your time
horizon, putting you in a better position to achieve these goals.
3. An investment professional can help you determine the best way to
allocate your assets
One of the most important steps to achieving any goal is to develop a
plan. When investing toward financial goals, an important part of your plan
will be to diversify your assets among stocks, bonds, short-term investments
and possibly foreign securities. Based on your needs, your investment
professional can develop an asset allocation strategy that can help lower
your overall risk by increasing your exposure to a greater number of
investment opportunities.
4. An investment professional can offer specific investment
recommendations based on your needs
Once you've determined the best way to allocate your assets, you still
have the important task of selecting the right investments for your
portfolio. With thousands of
mutual funds to choose
from, finding the right fund, or combination of funds, can have a
significant impact on your degree of success. Your financial advisor has the
knowledge and resources necessary to help you find the mutual funds that
best suit your needs.
5. An investment professional will stick with you every step of the way
The benefits of working with an investment professional don't end with
your first investment. Your investment professional can answer any questions
about your investments, provide guidance during periods of market volatility
and monitor your progress and make any necessary adjustments as your needs
change .
For more information or to have us answer any questions you may have,
please call 1-800-559-2900, or email Atlantic Financial,
or contact us
Back to the beginning of Why Use a
Financial Advisor
Fidelity Through Your Investment Professional - Its Time
Fidelity Advisor FundsTM are a unique family of mutual funds
from Fidelity Investments that are offered exclusively through
investment professionals. Fidelity Advisor Funds combine the advice and
personal service of your investment professional with the expertise,
resources and experience of Fidelity Investments, one of the nation's
largest mutual fund companies.
Together, Fidelity Advisor Funds and your investment professional can
offer unique solutions to help you meet your lifetime needs. To discuss
how Fidelity Advisor Funds can help you prepare for a more secure
financial future,
contact your investment professional
today.
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