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How Should I Monitor My Investments?
Investing makes it possible for your money to work for you.
In a sense, your money has become your employee, and that
makes you the boss. You’ll want to keep a close watch on how
your employee, your money, is doing.
Some people like to look at the stock quotations every day
to see how their investments have done. That’s probably too
often. You may get too caught up in the ups and downs of the
“trading” value of your investment, and sell when its value
goes down temporarily—even though the performance of the
company is still stellar. Remember, you’re in for the long haul.
Some people prefer to see how they’re doing once a year.
That’s probably not often enough. What’s best for you will
most likely be somewhere in between, based on your goals and
your investments.
But it’s not enough to simply check an investment’s perfor
-
mance. You should compare that performance against an index
of similar investments over the same period of time to see if you
are getting the proper returns for the amount of risk that you
are assuming. You should also compare the fees and commissions
that you’re paying to what other investment professionals charge.
While you should monitor performance regularly, you should
pay close attention
every
time you send your money somewhere
else to work.
Every time you buy or sell an investment you will receive a
confirmation slip from your broker. Make sure each trade was

completed according to your instructions. Make sure the buy
-
ing or selling price was what your broker quoted. And make
sure the commissions or fees are what your broker said they
would be.
Watch out for unauthorized trades in your account. If you
get a confirmation slip for a transaction that you didn’t approve
beforehand, call your broker. It may have been a mistake. If
your broker refuses to correct it, put your complaint in writing
and send it to the firm’s compliance officer. Serious complaints
should always be made in writing.
Remember, too, that if you rely on your investment profes-
sional for advice, he or she has an obligation to recommend
investments that match your investment goals and tolerance
for risk. Your investment professional should not be recom
-
mending trades simply to generate commissions. That’s called
“churning,” and it’s illegal.
How Can I Avoid Problems?
Choosing someone to help you with your investments is one
of the most important investment decisions you will ever make.
While most investment professionals are honest and hardwork
-
ing, you must watch out for those few unscrupulous individu
-
als. They can make your life’s savings disappear in an instant.
Securities regulators and law enforcement officials can and
do catch these criminals. But putting them in jail doesn’t always
get your money back. Too often, the money is gone. The good
news is you can avoid potential problems by protecting yourself.

Let’s say you’ve already met with several investment profes
-
sionals based on recommendations from friends and others you
trust, and you’ve found someone who clearly understands your
investment objectives. Before you hire this person, you still
have more homework.
Make sure the investment professional and her firm are reg
-
istered with the SEC and licensed to do business in your state.
And find out from your state’s securities regulator whether
the investment professional or her firm have ever been dis
-
ciplined, or whether they have any complaints against them.
You’ll find contact information for securities regulators in the
U.S. by visiting the website of the North American Securities
Administrators Association (NASAA) at www.nasaa.org or by
calling (202) 737-0900.
You should also find out as much as you can about any in
-

 

vestments that your investment professional recommends.

First, make sure the investments are registered. Keep in mind,
however, the mere fact that a company has registered and files
reports with the SEC doesn’t guarantee that the company will
be a good investment.
Likewise, the fact that a company hasn’t registered and
doesn’t file reports with the SEC doesn’t mean the company
is a fraud. Still, you may be asking for serious losses if, for in
-
stance, you invest in a small, thinly traded company that isn’t
widely known solely on the basis of what you may have read
online. One simple phone call to your state regulator could
prevent you from squandering your money on a scam.
Be wary of promises of quick profits, offers to share “inside
information,” and pressure to invest before you have an oppor-
tunity to investigate. These are all warning signs of fraud. Ask
your investment professional for written materials and pro
-
spectuses, and read them before you invest. If you have ques
-
tions, now is the time to ask.

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— Sunday, November 26, 2017 — Add Comment