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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, June 16, 2016 | 20 Communication is key when working with an adviser continued from p.18 to resist the temptation to bail just because the market took a downturn. Markets have a habit of declining. That is why they are called markets and it is all very normal. The reality of making money is you have to be prepared to lose from time to time. Three ingredients are required to be a successful investor -- trust, discipline and good communication. You have to trust your financial adviser or your own ability if you do it yourself. Trust that your diversified portfolio will perform well over time. If you do not have a sufficient level of trust, we recommend you consider reducing the amount of money you have invested in stock markets and potentially avoid stocks entirely. Better to admit there is insufficient trust and be out of the market rather than participate in a down turn if you are likely to sell. Enforcing trust requires strong discipline. Discipline to reconfirm that your longterm objective of achieving acceptable returns is possible based on a well-constructed logical portfolio. If you are working with a financial adviser, communication is key: asset allocation is the direct result of your time horizon (how long you hold a stock before liquidation), risk tolerance, and financial goals. Advisers can also be beneficial during times of poor market returns because their role is to reinforce the long-term nature of investing. Resisting the urge to panic can be helped by looking at historic investment performance numbers. You might have a target return of, say, six per cent annually from your investments. Look at past annual returns from similar investments and see that very rarely do you actually make six per cent. Some years you will make more and in some years you will make less. There is a fair amount of volatility hovering around an annual return of six per cent. Do not be surprised by market volatility because, in reality, some years are good and some years are bad. For most investors the key to success is managing their own personal behaviour. Start with a logically constructed investment portfolio and then add trust, discipline, and good communication. Investing success is more likely to happen to those that follow a disciplined approach. -- Submitted by Peter Watson of Peter Watson Investments and Aligned Capital Partners Inc., MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner For more news, visit insidehalton.com/oakville-on. `Like' the Oakville Beaver on Facebook. Interlocking & Concrete Specialists · Pebble Concrete · Stamped Concrete · Interlocking · Flagstone · Walkways · Garage Floors · Patios · Driveways · Curbs (French) Call Mario 905.842.7171 sunmarlandscape.com Are you not hearing clearly when a group of people are talking? Many people find that they are no longer able to understand everything being said, particularly when in the company of others. Engineered in Switzerland, the Audéo V hearing aid has been designed specifically to understand speech in group situations. The majority of those surveyed stated that when exposed to considerable background noise they are able to hear that something is being spoken, but can no longer discern precisely what is being said. The words seem blurred and indistinct. But why is that? The effect tends to manifest itself in group situations, especially in restaurants. It is the high-pitched tones perceived at the entrance to the cochlea that determine when you hear things accurately. In the majority of cases these parts of the inner ear are the first to be affected by noise or aging. As the high-pitched tones are no longer perceived well, the auditory centre of the brain begins to struggle to decode language. It's a bit like an image that doesn't have enough pixels. 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