30 Investment Tips We've Learned In Our 30 Years

As we celebrate 30 years at Cooper Pacific, we find ourselves filled with gratitude for the journey and the invaluable lessons we’ve learned along the way. In the investment and finance industries, the passage of time is a powerful teacher. With each passing year, we gain a more nuanced understanding of the markets’ ebb and flow. It’s not just the members of our team that have experienced a great deal of growth over the years. Our families, friends, and valued investors and borrowers have been a significant part of the learning process.

We extend our heartfelt thanks to our investors, whose trust and collaboration have been instrumental in our success. Here’s to the wisdom we’ve gathered and to many more prosperous years ahead. Below, we share 30 investment tips from our team, our families, and our valued clients.

Look for Secure, Proven Investments: Focus on investments that have a track record of stability and lower volatility.

High Risk Equals High Stress: Beyond the financial aspect, high-risk investments can lead to significant stress, which isn’t worth compromising your health.

It’s Never Too Late to Start: Begin saving and investing as soon as you can. It’s never too late to make your money work for you.

Consider Life Milestones: Major life events like marriage, children, or divorce can significantly impact your finances and investment strategy.

Go Conservative with Long-Term Investments: Avoid unnecessary risks with long-term investments.

Regularly Review and Rebalance: Periodically review your portfolio and rebalance it to stay aligned with your investment goals and risk tolerance.

Invest in What You Understand: Only put your money into investments that you know and comprehend.

Diversification is Key, but in Moderation: While diversifying is crucial, too much diversification can dilute your portfolio’s effectiveness.

Educate Yourself: You don’t need a financial background to start investing. Ask questions, take classes, and invest in what you know.

Real Estate as a Solid Investment: Historically, real estate has shown strong long-term performance.

Work with Specialized Companies: Choose companies that focus on their strengths and don’t try to be everything for everyone.

Trust and Relationships Matter: Building good relationships with trustworthy people in the industry can help you achieve your goals.

Location, Location, Location: When investing in real estate, consider the location carefully. This applies to more than real estate as well. Consider global economies and events that can impact specific markets.

Start Small, Start Now: Don’t wait to accumulate a large initial investment; just start.

Passive Long-Term Investments: These can be ideal as they grow without constant attention.

Know the Shelf Life of Investments: Understand the time horizon and risk tolerance that suit your lifestyle.

Lifestyle and Investing: Align your investment strategy with your lifestyle and goals.

Psychology Over Fundamentals: The mental aspect of investing can sometimes be more important than the fundamentals of the investment itself.

Ignore Horror Stories: Don’t let others’ negative experiences deter you too heavily; likewise, don’t be swayed by their successes.

Learn from Pension Funds: These funds are sophisticated in their asset allocation, reflecting diverse and stable investment strategies. Look at how pension funds diversify and allocate assets to guide your own investments.

Exposure to Various Sectors: Consider funds that give you access to real estate, infrastructure, and private equity.

Avoid Greed: If an investment seems too good to be true, it probably is.

Slow and Steady Wins the Race: Adopt the mindset of the turtle, not the hare.

Trust Your Gut: While research is crucial, listening to your intuition can also be valuable.

Set Clear Benchmarks: In volatile markets, set specific goals and stick to them to avoid the temptation to gamble.

Recognize Cycles: Understand the cyclical nature of markets and avoid panic selling during downturns.

Learn to Recognize Patterns: The longer you invest, the better you’ll become at spotting trends and patterns.

Embrace Predictable Schedules: Regularly schedule your investments and portfolio reviews.

Consider Taxes and Fees: Always factor in the implications of taxes and fees, as they can significantly impact your returns.

Stay Informed About Market Trends: Continuously educate yourself on current market trends and economic factors to make well-informed investment decisions.

Thank you for being part of our journey. As we move forward and continue to learn, we are always happy to share our knowledge. Get in touch with Jordan on our team with all of your questions. Here’s to continued growth and shared wisdom in the years to come.