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David P. McCabe,
WMCP®, ChFC®, CLU®
Financial Planner
Nathaniel D. High, RICP®
Financial Planner
Nicholas J. Over, CFP®
Financial Planner
Sara E. Martin
Operations Manager
Jennifer A. McCabe
Client Service Specialist
jennifer.mccabe@prudential.com
Centuria Financial Group
2333 Baltimore Blvd Suite B
Finksburg, MD 21048
Phone: 443-952-7232
September/October 2025
12 Obstacles to Investing Success
When it comes to investing for your future, the basics hold true. Here are some things to overcome or avoid as you sock away your hard-earned cash.
1. Starting Late
Compounding over time is powerful, making early investments, no matter how small, is critically important when it comes to investing success.2. Underestimating Time
Ask any older person how quickly time passes. Don't put off to tomorrow what you can start today.3. Overrreacting
Those with long-term horizons who stay the course may weather the volatile markets this year.4. Under-reacting
"Buy and hold" should not apply to every investing decision. If your investments have poor long-term prospects or no longer fit your strategy, consider selling them.5. Investing Too Aggressively
If you're in or near retirement, you may not have the time to recover from down markets. Invest accordingly.6. Investing Too Conservatively
With enough time you may overcome market downturns, so invest for growth when you have time.7. Paying Too Much
High investment fees and charges detract from net earnings, so make sure your returns are worth the cost.8. Staying Too Loyal
Loyal employees may like to own their employers' stocks, but too much of a good thing is a bad thing. Diversify.*9. Duplicating Efforts
Know how target-date and balanced mutual funds** affect your asset allocation mix.10. Following the Herd
Jumping late on a hot investment's bandwagon can become a costly investing mistake.11. Timing the Market
Even the professionals can't do it, so don't try.12. Avoiding Help
Talk to a financial professional for help with your investing strategy.*Diversification cannot eliminate the risk of investment losses. Past performance won't guarantee future results. An investment in stocks or mutual funds can result in a loss of principal.
**Investors should read the prospectus and consider the investment objectives, risks, charges, and expenses of the fund before investing. Because mutual fund values fluctuate, redeemed shares may be worth more or less than their investment. Past performance won't guarantee future results.
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David P. McCabe, Nathaniel D. High, and Nicholas J. Over are Financial Planners with, and offer securities and investment advisory service through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
LPLE and LPL Financial are not affiliated with Centuria Financial Group.
This newsletter is general educational information provided by a Prudential Financial Professional and is not intended to market or sell any specific products and services, but rather provide general information about the subject matter covered only.
Centuria Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.