How Avoiding Probate Can Derail Your Estate Plan

There’s widespread fear right now about a big stock market decline, fears that can cause even the most experienced investors to feel panicky. Given the incredible stock market run and concerns about a potential artificial intelligence bubble, these fears are understandable. But forecasts of a pending market calamity and the damage it will do to your financial future threaten to undermine your carefully constructed investment plan. Hear this: A good investment plan accounts for market declines, so don’t let fear interfere with that. Every smart investor needs to set out their asset allocation, whether that’s on their own as a do-it-yourself investor, with their financial adviser or with the help of a financial planner. Your split between stocks, bonds and cash has a direct influence on whether you will have enough money to do the things you want to do, whether that’s buying a house, paying for your kids’ education or retiring comfortably. Your rate of return is one factor, but there are other things to consider, too, including how much money you need for your short and medium-term needs.

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