Investing is Simple… It’s Just Not Easy

Investing is Simple… It’s Just Not Easy
22 Jun 2016

You really need to say this a few times to understand the point. Investing in of itself really is simple. Here is a look at how simple it is:

1) Start as early as you can (time value of money)

2) Invest as much as you can (you can’t really over save can you?)

3) Invest in as many different investments that you can find (diversification)

4) Leave them alone for as long as you can (see #1)

5) Don’t watch them very often and ignore distractions (Greed and Fear)
Well, there you have it! The recipe for a successful investment plan.

In reality, we all know it does not always work out this way. If it did, the statistics would bode a lot better for retirees today.  Life kind of gets in the way. It’s NOT about standard deviations, expense ratio’s, ratings, beta or alpha; it’s actually about job loss, sickness, divorce, taxes, greed and fear. Our lives complicate all of this and make it difficult.

Remember we often need to get out of the way of ourselves and let the investment process take care of itself. I once heard a fellow investment professional say, “We don’t have people with investment problems, we have investments with people problems.” I couldn’t have said it better myself. Let’s all try to simplify this and make it a bit easier and along the way make it more fun

Good luck! Jeff


Jeffrey Johnston

Jeffrey is originally from Solon, Iowa. He currently resides in Swisher, Iowa with his wife, Prudence, and his three children, Seth, Ian, and Roman. He graduated from the University of Northern Iowa in 1989, where he majored in Finance and Investments. He has 24 years of experience in the investment and estate planning business. He is currently the President of “Premier Investments of Iowa, Inc.” Jeffrey’s main focus is Estate and Investment Planning for Senior Citizens and Pre Retirees. Jeffrey became a Chartered Financial Consultant (ChFC) in 2001. He is the author of many articles on industry related topics and he is a frequent seminar presenter. He is a Board Member TRIAD Linn County Seniors Against Crime, and he is also a past Board Member of the Heritage Area Agency on Aging Task Force. He is a member of CEO Roundtable in Cedar Rapids, a Daybreak Rotary Member, and a member of the Cedar Rapids Estate Planning Council. In March of 2009, Jeffrey became the host of the Premier Investments of Iowa Financial Hour which airs every Tuesday Evening from 6PM -7PM, on WMT 600 AM Radio. In his free time he enjoys golf, fishing, scuba diving, traveling, and coaching son’s basketball teams.