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Time -- not timing --
may be key to best returns




A
Wall Street and coffees an investor, you are inundated with newspapers, magazines, newsletters and mailings all discussing whether the stock market is too high or too low and whether you should buy or sell. It's tempting to try and find the perfect time to buy or sell. History shows, however, that moving in and out of the stock market in order to minimize losses and maximize gains is a sure way to reduce your return.

In times of market volatility, it may be difficult to stick with your investment program. You may not realize, though, that the best and worst days come exactly at times of market volatility. For example, the worst one-day decline in the history of the Dow Jones Industrial Average was on Oct. 27, 1997, when it fell 554 points. The best one-day gain in the Dow's history took place one day later on Oct. 28, when it gained 337 points.

If you'd like some assistance in reviewing your investment portfolio, call a LaSalle Financial Services investment representative at 1-888-LFS-1200. He or she can tell you more about the value of staying fully invested in a diversified portfolio and whether you have the appropriate investment tools to meet your goals. end of article

This article was reprinted with permission from Putnam Investments, Member, NASD, Inc. The Standard & Poor's 500 Index is an unmanaged list of 500 common stocks and is a commonly used benchmark of U.S. stock market performance. Indexes assume reinvestment of all distributions and do not take into account brokerage commissions or other costs. It is not possible to invest directly in an index. Past performance is not indicative of future results.

NON-DEPOSIT INVESTMENT PRODUCTS
NOT FDIC INSURED
NO BANK GUARANTEE
MAY LOSE VALUE

 
Securities and annuities offered through LaSalle Financial Services, Inc., a division of ABN AMRO Investment Services, Inc., a registered broker/dealer, member NASD, SIPC and a licensed insurance agency. Early withdrawal from annuities may result in surrender charges and tax penalties.

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