{"id":7724,"date":"2023-08-05T15:59:52","date_gmt":"2023-08-05T15:59:52","guid":{"rendered":"https:\/\/isafespend.com\/investing\/how-to-set-investing-goals\/"},"modified":"2023-08-05T15:59:53","modified_gmt":"2023-08-05T15:59:53","slug":"how-to-set-investing-goals","status":"publish","type":"post","link":"https:\/\/isafespend.com\/?p=7724","title":{"rendered":"How to Set Investing Goals"},"content":{"rendered":"<div id=\"mntl-sc-page_1-0\" data-sc-sticky-offset=\"90\" data-sc-ad-label-height=\"24\" data-sc-ad-track-spacing=\"100\" data-sc-ad-bottom-offset=\"300\" data-sc-min-track-height=\"250\" data-sc-max-track-height=\"600\" data-sc-breakpoint=\"50em\" data-sc-load-immediate=\"4\" data-sc-content-positions=\"[1, 1250, 1550, 1950, 2350, 2750, 3150, 3550, 3950]\" data-bind-scroll-on-start=\"true\">\n<p id=\"mntl-sc-block_1-0\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nGoal-setting is a vital step toward reaching financial success, especially when it comes to investing. Setting specific, achievable goals can help you to narrow your focus, create a plan, and stay motivated along the way.\n<\/p>\n<p id=\"mntl-sc-block_1-0-2\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nIn this guide, you\u2019ll learn the importance of goals, what makes a good investment goal, questions to ask yourself when setting them, and some next steps to take.\n<\/p>\n<div id=\"mntl-sc-block_1-0-4\" class=\"comp theme-keytakeaways mntl-sc-block money-sc-block-callout mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0\" class=\"comp mntl-sc-block-callout-heading mntl-text-block\">\nKey Takeaways<\/h3>\n<div id=\"mntl-sc-block-callout-body_1-0\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<ul>\n<li>Setting investing goals can help provide clarity, motivate you, and allow you to create a game plan to reach financial success.<\/li>\n<li>A good investment goal is SMART: specific, measurable, achievable, relevant, and time-bound.<\/li>\n<li>When setting investment goals, it\u2019s important to consider your time horizon, risk tolerance, investment understanding, and other aspects that may impact those goals.<\/li>\n<li>You\u2019ll need to use different investment strategies for short-term, mid-term, and long-term goals.<\/li>\n<li>As you work toward your investment goal, track your progress along the way to determine whether you need to change your strategy.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p><span class=\"heading-toc\" id=\"toc-why-goals-matter\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-5\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> Why Goals Matter <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-6\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nStudies have shown the significance of setting goals in reaching financial success. One well-known example that continues to be referenced is a 1979 study conducted by and of MBA students. Of the graduating students, only 3% had written goals and plans to accomplish them, 13% had unwritten goals, and 84% had no goals at all.\n<\/p>\n<p id=\"mntl-sc-block_1-0-8\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nAfter 10 years, the students with unwritten goals were earning an average of twice as much as those students with no goals at all. The small percentage of students with written goals were earning 10 times as much as the rest of the students combined.<span class=\"ql-inline-citation\" data-cite=\"1\"\/>\n<\/p>\n<p id=\"mntl-sc-block_1-0-10\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nGoals provide many benefits toward achieving financial success, including providing clarity around what you want, offering motivation, and creating a clear and specific plan to follow. When investing, having goals in place can help individuals take the first step toward something that feels new or overwhelming to them.\n<\/p>\n<p id=\"mntl-sc-block_1-0-12\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n\u201cWe often hear from our customers\u2014especially our younger customers\u2014that getting started with investing is a very nerve-wracking part of the experience,\u201d said Kelly Lannan, senior vice president of emerging customers with Fidelity Investments, in an email interview with The Balance. \u201cWith many different ways to invest, not to mention the potential for market volatility, new investors can understandably feel overwhelmed.\n<\/p>\n<p id=\"mntl-sc-block_1-0-14\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n\u201cThat\u2019s why it helps to start with the goal. By setting a goal, you can determine the course of action to achieve it, including how, when, and where to invest your money, and how much time you have or need.\u201d\n<\/p>\n<p><span class=\"heading-toc\" id=\"toc-what-makes-a-good-investment-goal\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-16\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> What Makes a Good Investment Goal? <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-17\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nThe most common rule of thumb that experts recommend for goal-setting is the use of SMART Goals. It is a mnemonic device that stands for the following:\n<\/p>\n<ul id=\"mntl-sc-block_1-0-19\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n<li><strong>Specific:<\/strong> Setting a specific financial goal requires identifying how much you plan to save and the purpose you plan to save it for.<\/li>\n<li><strong>Measurable:<\/strong> Financial goals are often easy to measure. There\u2019s a specific dollar amount attached to them, and you can clearly see how close you are to reaching yours.<\/li>\n<li><strong>Achievable: <\/strong>While it\u2019s okay to set lofty goals, setting goals that aren\u2019t achievable can lower your motivation and pull resources away from other goals that you can reach.<\/li>\n<li><strong>Relevant: <\/strong>A good investment goal should align with your broader goals and values.<\/li>\n<li><strong>Time-Bound: <\/strong>Attaching an end date to your goal not only provides some sense of urgency but also helps you calculate exactly how much you need to save monthly or weekly to achieve the goal.<span class=\"ql-inline-citation\" data-cite=\"5\"\/><\/li>\n<\/ul>\n<div id=\"mntl-sc-block_1-0-21\" class=\"comp theme-experttiptip mntl-sc-block money-sc-block-callout mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0-1\" class=\"comp mntl-sc-block-callout-heading mntl-text-block\">\nNote<\/h3>\n<div id=\"mntl-sc-block-callout-body_1-0-1\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p>One example of a SMART goal would be, \u201cI want to save $1,500 by July for a vacation with my best friend.\u201d In this case, you have a specific goal\u2014you know exactly how much you want to save and what the money is for\u2014that is easily measurable, and you know it would fit within your budget. It\u2019s also relevant to your personal value of friendship, and it\u2019s time-bound, thanks to the deadline you\u2019ve attached to it.<\/p>\n<\/div>\n<\/div>\n<p><span class=\"heading-toc\" id=\"toc-questions-to-ask-when-setting-your-goals\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-22\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> Questions to Ask When Setting Your Goals <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-23\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nWhen you\u2019re setting financial goals, there are some guiding questions you can ask yourself to help craft an investment plan and ensure that you\u2019re on the right track. We spoke with Taylor Jessee, a certified financial planner (CFP) and the director of financial planning at Taylor Hoffman Wealth Management. Jessee shared a few questions that investors can ask themselves:\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-25\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> What Do I Plan to Do With This Money? <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nYou must get clear about your financial goals and understand just what you\u2019re saving for.\n<\/p>\n<p id=\"mntl-sc-block_1-0-28\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n\u201cFor example, is it for buying a house, sending a kid to college, [or] saving for retirement [that] is years or decades in the future?\u201d Jessee said. \u201cIn general, it is best to separate your money into different buckets for different goals, because your investment approach should be different for each.\u201d\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-30\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> When Do I Expect To Need This Money? <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-31\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nYour time horizon is the number of years before you plan to need your investment money, and it\u2019s an important part of building your investment strategy. The longer your time horizon, the more aggressive you can usually afford to be in your portfolio.\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-33\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> How Much Risk Am I Comfortable With? <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-34\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nWhile general rules of thumb can apply to most investors, everyone has their own risk tolerance, and their investment portfolio should reflect that.\n<\/p>\n<p id=\"mntl-sc-block_1-0-36\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n\u201cThere are no guarantees when you invest (in anything, not just the stock market), so [think about] how much you are comfortable losing if it doesn\u2019t turn out the way you hope,\u201d Jessee said.\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> What Else Could This Money Be Used For? <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-39\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nWhile investing can be an excellent way to reach your financial goals even sooner, it\u2019s crucial to ensure that you aren\u2019t putting money at risk that you may need for something else. For example, while your emergency fund may only be earning a small amount of interest in a savings account, it\u2019s probably not money you want to put at risk in more aggressive investments.\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-41\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> Do I Understand What I Am Invested In? <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-42\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nRegardless of what\u2019s in your investment portfolio, it\u2019s important that you fully comprehend what you\u2019re invested in. In the case of individual stocks, you should understand the companies and become familiar with their financial situations. In the case of mutual funds, understand the goals and the funds&#8217; managers&#8217; investment strategies.\n<\/p>\n<p><span class=\"heading-toc\" id=\"toc-how-to-set-realistic-investing-goals\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-44\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> How to Set Realistic Investing Goals <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-45\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nIt\u2019s easy to discuss the importance of setting goals, but taking the steps necessary to set and achieve your financial goals is something else entirely. Below, you\u2019ll find steps to follow to properly set realistic investing goals.\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-47\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> 1. Identify Your Goal <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-48\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nThe first step towward achieving your goals is to identify what exactly you want to achieve. Common investing goals include retirement, a child\u2019s college education, or a dream home. Knowing your goal and making it SMART will help you create an investment plan to reach it.\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-50\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> 2. Identify Your Investment Strategy <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-51\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nWhen deciding how you\u2019ll invest the savings for your goal, be sure to consider your time horizon.\n<\/p>\n<p id=\"mntl-sc-block_1-0-53\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nAccording to the Financial Industry Regulatory Authority (FINRA), short-term goals\u2014those achievable in less than three years\u2014may be best suited to liquid investments like cash, Treasury bills, and money market accounts.\n<\/p>\n<p id=\"mntl-sc-block_1-0-55\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nFor mid-term goals that are three to ten years away, you can balance your portfolio between high-quality, fixed-income investments and stocks.\u00a0\n<\/p>\n<p id=\"mntl-sc-block_1-0-57\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nFinally, for long-term goals that are more than ten years away, you can take a more aggressive approach, investing in stocks, mutual funds, and exchange-traded funds (ETFs).<span class=\"ql-inline-citation\" data-cite=\"3\"\/>\n<\/p>\n<div id=\"mntl-sc-block_1-0-59\" class=\"comp theme-experttipwarning mntl-sc-block money-sc-block-callout mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0-2\" class=\"comp mntl-sc-block-callout-heading mntl-text-block\">\nNote<\/h3>\n<div id=\"mntl-sc-block-callout-body_1-0-2\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p>It\u2019s critical to not get caught up in the excitement of day trading, cryptocurrency, and other investment trends. While they can have a place in some investment portfolios, Jessee recommends a more steady approach for financial goals. \u201cPeople can set realistic investment goals by first understanding that investing should be more like watching paint dry than like going to Vegas,\u201d Jessee said.<\/p>\n<\/div>\n<\/div>\n<h3 id=\"mntl-sc-block_1-0-60\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> 3. Start Small <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-61\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nAccording to a recent survey from Fidelity, 36% of Gen Z adults who did not trade during the market volatility in Q1 of 2021 would feel more comfortable starting to trade if they could do so with small amounts of money.<span class=\"ql-inline-citation\" data-cite=\"4\"\/>\n<\/p>\n<p id=\"mntl-sc-block_1-0-63\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nAnd according to Lannan, a simple adjustment to an investor\u2019s approach can make their goals feel more achievable.\n<\/p>\n<p id=\"mntl-sc-block_1-0-65\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n\u201cFor newer investors, and for those who may be more risk-averse, it may be best to start small and get a better understanding of the process,\u201d Lannan said.\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-67\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> 4. Look for Support <\/span> <\/h3>\n<p id=\"mntl-sc-block_1-0-68\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nFinding the advice and support you need to reach your financial goals has never been easier. Countless social media pages share in-depth financial advice about investing and other topics. Most investing platforms have educational resources on their websites to help investors get started. If you are a person of color seeking financial advice or are a financial professional yourself, CHIP Professional provides free online and in-person services with Black and Latinx financial professionals, as well as paid membership programs, networking opportunities, and more.<span class=\"ql-inline-citation\" data-cite=\"6\"\/>\n<\/p>\n<p><span class=\"heading-toc\" id=\"toc-measuring-your-progress\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-70\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> Measuring Your Progress <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-71\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nYour work isn\u2019t over once you set your financial goal and build your investment portfolio. It\u2019s important to track your progress to ensure that you\u2019re on the right track.\n<\/p>\n<p id=\"mntl-sc-block_1-0-73\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n\u201cThe easiest way to track and measure progress toward goals is to use an app or online financial planning tool,\u201d Jessee said. \u201cNot to oversimplify, but with these tools, you can input your current assets, how much you\u2019re saving, and the dollar amount of financial goals you want to achieve (i.e., college, retirement, buying a vacation home), and the tool will generate some kind of score or graph to show you whether you\u2019re on track.\u201d\n<\/p>\n<p id=\"mntl-sc-block_1-0-75\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nAs you measure your progress toward reaching your goal, you should also be prepared to change your strategy if what you\u2019re doing isn\u2019t working. In many cases, you may need to change your investment strategy or increase the amount you\u2019re saving each month.\n<\/p>\n<div id=\"mntl-sc-block_1-0-77\" class=\"comp theme-experttipwarning mntl-sc-block money-sc-block-callout mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0-3\" class=\"comp mntl-sc-block-callout-heading mntl-text-block\">\nNote<\/h3>\n<div id=\"mntl-sc-block-callout-body_1-0-3\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p>Just remember, especially in the case of investing, not to check in too often. The stock market fluctuates daily, and it\u2019s easy to panic if the numbers go down. Checking your investments too often can create unnecessary anxiety that can lead you to make emotional decisions with your portfolio.<\/p>\n<\/div>\n<\/div>\n<p><span class=\"heading-toc\" id=\"toc-frequently-asked-questions-faqs\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-78\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> Frequently Asked Questions (FAQs) <\/span> <\/h2>\n<div id=\"mntl-sc-block_1-0-79\" class=\"comp mntl-sc-block money-sc-block-questionandanswer mntl-sc-block-questionandanswer\">\n<span class=\"heading-toc\" id=\"toc-how-does-investing-work\"\/><\/p>\n<h2 class=\"mntl-sc-block-questionandanswer__question\">How does investing work?<\/h2>\n<div class=\"mntl-sc-block-questionandanswer__answer\">\n<p>When you invest, you buy an asset like a stock or bond with the hope of a financial return. You can generally make money in one of two ways: You can earn money through dividends or interest.<em> <\/em>You might also have capital gains when your asset\u2019s value increases. If you buy a stock for $5 per share and sell it for more, for example, you\u2019ve made a profit on your investment.<\/p>\n<\/div>\n<\/div>\n<div id=\"mntl-sc-block_1-0-81\" class=\"comp mntl-sc-block money-sc-block-questionandanswer mntl-sc-block-questionandanswer\">\n<span class=\"heading-toc\" id=\"toc-when-is-investing-important\"\/><\/p>\n<h2 class=\"mntl-sc-block-questionandanswer__question\">When is investing important?<\/h2>\n<div class=\"mntl-sc-block-questionandanswer__answer\">\n<p>Investing is a great way to make your money work for you\u2014thanks to compounding. For short-term goals, avoid putting your money at risk, and consider an FDIC-insured banking product instead.<\/p>\n<\/div>\n<\/div>\n<div id=\"mntl-sc-block_1-0-83\" class=\"comp mntl-sc-block money-sc-block-questionandanswer mntl-sc-block-questionandanswer\">\n<span class=\"heading-toc\" id=\"toc-how-do-i-start-investing\"\/><\/p>\n<h2 class=\"mntl-sc-block-questionandanswer__question\">How do I start investing?<\/h2>\n<div class=\"mntl-sc-block-questionandanswer__answer\">\n<p>SMART goals and online brokerage platforms help you to start investing quickly and without an advisor. Steps to follow include:<\/p>\n<ol>\n<li>Picking an investment platform.<\/li>\n<li>Picking a mid- or long-term goal, considering risks.<\/li>\n<li>Building your portfolio: Many traditional firms offer robo advisors, which pick your investments for you, based on your goals and timeline.<\/li>\n<li>Diversifying your portfolio with stocks, bonds, or pooled investments.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.thebalancemoney.com\/setting-investment-goals-for-financial-independence-4120968\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Goal-setting is a vital step toward reaching financial success, especially when it comes to investing. Setting specific, achievable goals can help you to narrow your focus, create a plan, and stay motivated along the way. In this guide, you\u2019ll learn the importance of goals, what makes a good investment goal, questions to ask yourself when<\/p>\n","protected":false},"author":1,"featured_media":7725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[49],"tags":[32],"class_list":{"0":"post-7724","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing","8":"tag-featured"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Set Investing Goals | iSafeSpend<\/title>\n<meta name=\"description\" content=\"Goal-setting is a vital step toward reaching financial success, especially when it comes to investing. 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