NAVIGATING MARKET DIPS
Economic and political news has paved a path for an increase in market volatility. This has caused some investors and companies to react cautiously. Here are some ways to focus on the fundamentals of investing rather than getting too caught up on daily price movements.
• Avoid panic selling. Emotional reactions can lead to costly mistakes. Talk with your financial advisor before making a hasty decision. There can be buying opportunities in times like these.
• Use dollar-cost averaging. Consistent, regular investments reduce the impact of market swings. This strategy helps to average out the purchase price of your investments, potentially buying more shares when prices are low and fewer shares when prices are high.
• Trust your financial plan. Review it to ensure you’re on track and properly diversified, and seek professional advice if needed. Diversification of your investments across different asset classes (stocks, bonds, real estate, etc.) is a way to reduce risk.
• Focus on long-term goals. Short-term market fluctuations are normal. If you’re investing for long-term goals like retirement, short-term volatility should have less of an impact.
Working with an advisor is a great way to navigate turbulent times and stay focused on your long-term financial objectives.

APRIL IS FINANCIAL LITERACY MONTH
HOW CONFIDENT ARE YOU IN YOUR FINANCIAL KNOW-HOW?
April is a time to highlight how financial literacy can help individuals manage their money effectively, save for the future, and avoid financial mistakes.
Watch our VIDEOS to sharpen your financial skills:
www.m3advisor.com/financial-basics

THE MONTH IN BRIEF
U.S. Markets
Stocks fell in Q1 as investors contended with economic uncertainty, inflation concerns, and evolving tariff talks.
The Standard & Poor’s 500 Index slid 4.59 percent, while the tech-heavy Nasdaq Composite dropped 10.42 percent. The Dow Jones Industrial Average fared best, sliding only 1.28 percent.1

1. WSJ.com, March 31, 2025
Advisory Services offered through Lincoln Investment or Capital Analysts, Registered Investment Advisers. Securities offered through Lincoln Investment, Broker-Dealer, Member FINRA/SIPC. www.lincolninvestment.com. M3 Investment Services and the above firms are independent and non-affiliated. S&P 500 Index is an index of 500 of the largest exchange-traded stocks in the US from a broad range of industries whose collective performance mirrors the overall stock market. The Dow Jones Industrial Average is a widely watched index of 30 American stocks thought to represent the pulse of the American economy and markets. Investors cannot invest directly in an index. The NASDAQ is an index that tracks the cumulative results on a market capitalization basis of all stocks trading in the NASDAQ system. Investors cannot invest directly in an index. Past performance is no guarantee of future results. A plan of regular investing does not assure a profit or protect against loss in a declining market. You should consider your financial ability to continue your purchases over an extended period of time. 4/25