2016 is off to a rocky start, to say the least – but this offers us all a great opportunity to evaluate our portfolios and investment strategies.

We are in the middle of a correction; volatility is high and uncomfortable for most.

Turbulent market conditions have been triggered by multiple factors – the Feds finally raising interest rates, the uncertainty of future rate hikes and their impact on growth, international market instability caused largely by China’s slowing economy, and commodities prices being dragged down by oil prices, to name some. Momentum will also play a large role in this market as investors try to identify and get in front of trends.

This reminds us the importance of a diligent and well balanced investment strategy. We should all assess the level of risk in our individual portfolios and make smart, meaningful adjustments, if necessary.

Two main fundamental investing concepts to help us navigate through periods of high volatility are:

1. Check your emotions


2. Invest for the long term

It is difficult, if not impossible, for anyone to predict which direction the market will move; don’t let fear drive your decisions. When the market experiences volatility in the manner it has in the early part of 2016, we should stay mindful that all markets have their cycles and maintaining a consistent strategy will help reach long term goals.

We at Sequoia are always available to answer employee questions and help them through these challenging times of volatility and uncertainty.


The information and materials on this blog are provided for informational purposes only and are not intended to constitute legal or tax advice. Information provided in this blog may not reflect the most current legal developments and may vary by jurisdiction. The content on this blog is for general informational purposes only and does not apply to any particular facts or circumstances. The use of this blog does not in any way establish an attorney-client relationship, nor should any such relationship be implied, and the contents do not constitute legal or tax advice. If you require legal or tax advice, please consult with a licensed attorney or tax professional in your jurisdiction. The contributing authors expressly disclaim all liability to any persons or entities with respect to any action or inaction based on the contents of this blog.


Luciano Costantini – Principal & Director of Retirement Services, Sequoia Consulting Group