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Investments > Investment Education Center > Caution: Market Timing is Difficult to Get Right
Caution: Market Timing is Difficult to Get Right

In pursuit of investing success, too many individual investors attempt to move all of their money from one asset to another in an effort to pick today’s winner or avoid tomorrow’s loser. Unfortunately, this strategy, known as market timing, is extremely difficult to implement.

Although asset allocation and market timing share some superficial similarities, asset allocation differs from market timing in the following ways:

Well-diversified investment mix. Market timers attempt to latch on to short-term market movements. Asset allocation, by contrast, employs specific strategies that take into consideration an investor’s goals, time frame and risk tolerance using stocks, bonds, real estate and cash investments.
Long-term outlook. Market timers don’t invest consistently for the long term; instead, they seek to profit from short-term trends in the markets. An asset allocation strategy, on the other hand, sticks with its stated parameters regardless of short-term market movements or economic signs.
Periodic rebalancing. Over time a portfolio may get out of alignment based on market movements. Rebalancing is making adjustments to return to or preserve the desired allocation asset mix; it’s not done in anticipation of anything that might happen.

To learn more about successful investing and how Thrivent Investment Management can help you achieve your financial goals, contact a Thrivent Financial representative today.

Investing in a mutual fund involves risks, including the possible loss of principal. The prospectus contains more complete information on the investment objectives, risks, charges and expenses of the fund which investors should read and consider carefully before investing.

Investing in a mutual fund involves risks, including the possible loss of principal. The prospectus contains more complete information on the investment objectives, risks, charges and expenses of the fund which investors should read and consider carefully before investing. To obtain a prospectus contact a registered representative or visit www.thrivent.com.

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Thrivent Financial for Lutherans, Appleton, WI 54919-0001, is authorized to conduct business in all 50 states and the District of Columbia. NAIC # 2938-56014. Products issued by Thrivent Financial for Lutherans are available to applicants who meet membership, insurability, U.S. citizenship and residency requirements. Not all products described are available in all states. Thrivent Financial representatives are licensed insurance agents. Insurance and retirement products, where available, are individual contracts, (not group coverage), and issued by Thrivent Financial for Lutherans. Investment products are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415-1665, a wholly owned subsidiary of Thrivent Financial for Lutherans. Member FINRA. Member SIPC. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc.
Bank products and trust services are offered through Thrivent Financial Bank, 2000 E. Milestone Dr., Appleton, WI 54919-0006 (Member FDIC, Equal Housing Lender), a wholly owned subsidiary of Thrivent Financial for Lutherans. Insurance, investment products, securities, trust, and investment management services and accounts are not deposits, are not FDIC insured, are not insured by any federal government agency, and are not guaranteed by Thrivent Financial Bank. Variable insurance contracts, investment products, trust, and investment management accounts may go down in value.

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This document was last updated on Thursday, February 28, 2008 at 9:37 PM