The Generation Gap
Achieving Financial Success at Any Age
Throughout history, investors have faced challenges, along with opportunities. These experiences help bridge the gap across generations and remind us that in spite of bumps along the road, we can still achieve financial success.
Today’s Generations
Take a closer look at the investment experience of each generation.
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Timeless Lessons
Review these time-tested investment lessons to help you maintain a long-term focus.
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| Lesson #2 It's time in the market, not market timing. |
Lesson #3 Maintain a long- term perspective. |
Lesson #4 Diversify! It may not work all the time, but it works over time. |
Looking for an easier way to diversify your investments?
In one simple step, the Goldman Sachs Asset Allocation Portfolios give investors the opportunity to benefit from changing market cycles through a higher degree of diversification that can help reduce overall portfolio risk.
Please contact a Goldman Sachs relationship manager for more information
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All investing involves some degree of risk, whether it is associated with market volatility, purchasing power or a specific security.
Mutual funds are subject to various risks as described fully in each funds’ prospectus. There can be no assurance that a mutual fund will achieve its investment objective. The equity markets are volatile, but not all stocks are equally volatile. Funds that invest in small and/or mid-size company stocks typically involve greater risk, particularly in the short term, than those investing in larger, more established companies.
Some Funds may at times use certain types of derivative instruments, such as options, futures, forwards and swaps. These instruments involve risks different from, and in certain cases, greater than, risks presented by more traditional investments.
Investments in fixed income securities are subject to the risks associated with debt securities including credit, price and interest rate risk. Funds that invest in high yield, lower-rated bonds may contain more risk due to the increased possibility of default.
Foreign and emerging market securities may be more volatile than investments in U.S. securities and will be subject to the risks of currency fluctuations and sudden economic or political developments. At times, the international funds may be unable to sell certain of its portfolio securities without a substantial drop in price, if at all.
Asset class definitions for Lesson #4
Long term performance of broad-based asset classes – index information: U.S. large-cap stocks are represented by the S&P 500 – a broad-based index of 500 widely held common stocks. Cash is represented by the Citi Treasury Bill 1 Month Index tracks the performance of U.S. Treasury Bills. Small cap stocks are represented by the Russell 2000 Index, which measures the performance of the small-cap segment of the U.S. equity universe. The Russell 2000 Index is a subset of the Russell 3000® Index representing approximately 10% of the total market capitalization of that index. Mid cap stocks are represented by the Russell Midcap Index, which measures the performance of the 800 smallest companies in the Russell 1000 Index, which represents approximately 25% of the total market capitalization of the Russell 1000 Index. International stocks are represented by the MSCI EAFE – the Morgan Stanley Capital International Europe, Australasia, Far East (EAFE) Index, an unhedged composite of securities in twenty-one developed markets. Bonds are represented by the Barclays Capital Aggregate Bond – an index comprised of fixed income securities, such as U.S. Treasuries, investment-grade corporates, and mortgage-backed and asset-backed securities. MSCI EAFE Index – an market capitalization-weighted composite of securities in 21 developed markets. Investors cannot invest directly in indices. The indices are unmanaged and the figures for the Index reflect the reinvestment of dividends, but do not include any deduction for fees, expenses or taxes. Diversification does not protect an investor from market risk and does not ensure a profit. Past performance does not guarantee future results.
A summary prospectus, if available, or a Prospectus for the Fund containing more information may be obtained from your authorized dealer or from Goldman, Sachs & Co. by calling (retail - 1-800-526-7384) (institutional - 1-800-621-2550) for the Goldman Sachs Funds and (1-800-762-5035) for the Goldman Sachs Variable Insurance Trust Funds. Please consider a fund's objectives, risks, and charges and expenses, and read the summary prospectus, if available, and the Prospectus carefully before investing. The summary prospectus, if available, and the Prospectus contains this and other information about the Fund.
The information and services provided on this Web site are intended for persons in the U.S. only. Non-U.S. persons are directed to our audience selection page.
Goldman, Sachs & Co. is the distributor of the Goldman Sachs Funds.
NOT FDIC-INSURED | May Lose Value | No Bank Guarantee