1.Diversification - We all know that it is important to spread our risk among many holdings, asset classes, income sources, etc.

2.Use a disciplined process to “buy low/sell high”.

3.Understand that not all of your holdings will be winners.

4.Take distributions from a “BUFFER ASSET” when markets are down. This will give time for your account to fully or partially recover losses.

5.Hedging Strategies - (DIY for these is not recommended). Options, futures, etc.

6.Avoid Panic Selling - there are times when panic selling can “lock” in a loss.

7.Avoid “performance chasing” - a stock that has been increasing might not continue to increase.

8.Dollar Cost Averaging can help to reduce average share price over the long term. This is applicable during the growth phase of an account.

9.Private market investments often do not have returns that are correlated to the general stock markets. There are net worth/income requirements.

10.Periodically rebalance your portfolio(s) to ensure that your allocation percentages are still appropriate.

11. Dividend paying stocks - if a company pays a dividend, potential portfolio losses can be offset by the dividends.

12.Use a “rules based” philosophy - know what you own and why you own it.

13. Electing for guaranteed streams of income (with regards to pensions and annuities) can allow you to take more risk with other investments.

14.Some Annuities are designed to have a floor of ZERO, even when the markets are negative. These get complicated but COULD be a fit for part of your portfolio.

15.In many cases, we hire experts in our lives. Consider working with a financial professional, especially when you get into the distribution phase of your financial life.

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