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Market fluctuation: What you
should know and what you could consider doing


It's important to remember you and your Merrill advisor built your plan, factoring in the need for resiliency during times of market fluctuation. We’re here to provide guidance on additional steps you can take today to help stay on track.

Did you know?


It’s about time in the markets, not timing the markets. We’ve experienced spikes in volatility before and, although there is no guarantee, historically the market has been known to rise over the long term after decline. That’s why abandoning the markets during these periods could potentially lead to an underperforming portfolio.

Image of a chart detailing the performance of investments in the market. The chart shows the decline of investments during the recession of December 2007 through June 2009. The bottom line indicates that investments that existed the market and invested in cash from 2007 and 2020 only grew from $50,000 to $57,000. The middle line depicts investments that exited the market and reinvested within one year and shows that from 2007 to 2020 investments went from $50,000 to $195,000. The top line depicts investments that stayed in the stock market and from 2007 to 2020 shows that those investments went from around $60,000 to $299,000. Underneath the chart the disclaimer says that past performance is no guarantee of future results. This graph is for illustrative purposes only and not indicative of any investment. Recession data is from the National Bureau of Economic Research. The market is represented by the Ibbotson Large Company Stock Index. Cash is represented by the 30-day U.S. Treasury bill. An investment cannot be made directly in an index. The data assumes reinvestment of income and does not account for taxes or transaction costs. Copyright Morningstar. All rights reserved.

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