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Написано ы-money | Wed, Apr 19 at 3:09pm:

I wanted to share some thoughts with you regarding what we all need to keep
in mind as investors during periods of market volatility.

No one can deny it, the market has recently moved sharply in both directions.
However, for almost a decade, there has been an undeniable upward trend, as the
U.S. economy enjoys the benefits of the longest expansion we have ever seen. We're
still benefiting from unemployment and inflation rates that are well below their historic
averages, and productivity growth continues to be near historic highs.

Especially in times like these, it's important that all investors, myself included, need
to take a step back to think about where we've been and where we're going so we
don't overreact. Your investment lifetime will include a number of market cycles. How
you react and manage these cycles will have a major impact on your success in
building wealth over the long-term. Here are some key points to remember.

Stocks Are Long-Term Investments

Investing in individual stocks and stock mutual funds is investing for the long-term.
What does long-term mean? At least three or more years, ideally five years or more.
Trying to time the market has been shown to be futile. While stocks in the short-term
may provide investors with an uneven ride, over the long-term, stocks can outperform
other types of financial instruments like Treasury Bonds. In addition, stocks provide
investors the best opportunity to beat inflation over the long-term.

Always Consider Risk

Different people have different risk tolerances, depending upon things such as age
and income. Your risk tolerance and short and long-term goals should be important
factors in determining what you buy and sell. If your goals are short-term, like
less than one year away, it may be wiser to invest in a less risky instrument like a
money market fund. Just keep in mind the relationship between risk and reward.
Lower risk frequently translates into lower reward. Also, remember that what your
friends invest in may not be the best investment for you. It's best to invest in
companies you understand and are familiar with. Your research can help you appreciate
their long-term potential. At E*TRADE® we have the tools and insights you need to
research and understand various companies.

Don't Forget to Diversify

Over the long-term, it's wiser to diversify your investments over several asset classes
(e.g., large cap, medium cap, and small cap stocks) and sectors (e.g., technology,
health care, and utility) than to put all your investments in one particular part of the
market that may be doing well at that moment. So when one part of your portfolio isn't
doing as well as you'd like, it's counterbalanced by another part of your portfolio.
Mutual Funds can help you diversify, since professional managers may invest in areas
of the market you're less familiar with. Don't forget that international diversification
is also important, as overseas markets may not move in tandem with domestic markets.

Educate Yourself

In my prior letter, Facts for Online Investors, I mentioned how you can find a wide variety
of educational resources on the E*TRADE site. One of the most important is our
Knowledge Center, which offers a wealth of information gathered from famous books and
authors whose views have shaped the modern world of finance. The Knowledge Center also
includes information from other Web sites, which can provide you with valuable resources.
In looking through it this weekend, I noticed three articles of particular relevance during
these times:

The Stock Market Cycle
The Importance of Diversification
What to Do When a Fund Fizzles
Because we understand that each of you has different goals, E*TRADE provides a
diverse set of products to help you achieve those goals, including stocks, bonds,
mutual funds, and IRAs. We now also offer bank products, which are FDIC insured,
through E*TRADE Bank(SM)1. Check out the CD's with rates in the top 1% nationally2!

All of us at E*TRADE really do appreciate your business. We will continue to work
hard to provide you with the very best products and tools to help you make informed
investment decisions during every phase of the market cycle. In the meantime, remember
to think long-term!

Sincerely,

Christos M. Cotsakos
Chairman of the Board and CEO
E*TRADE® Group, Inc.

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