There are certain basic tenets of smart investing:

• No matter how old you are, start investing today.
• Be sure to consider both long-term investment goals like retirement and short-term needs like enough savings to pay for unexpected expenses.
• Pay down your debt, especially credit cards.
• Develop a budget you can live with, and make investments an item in your budget.
• Invest regularly. Investing the same amount every month (dollar cost averaging) will get you to your goal faster than occasionally investing larger sums.
• Don’t put all your eggs in one basket. Diversify your investments to reduce risk and increase overall return.
• Take advantage of tax-deferred investments, including 529 college savings accounts, IRAs, 401(k) or 403(b) retirement plans offered by your employer, and annuities.
• Make sure to protect your assets and income with adequate insurance.

If you want more help than this, good—you’re ready for Univest. Because while everyone should follow investing basics, developing a long-term investment plan is a very personal matter that requires a one-on-one relationship. Univest employs a team of experienced, qualified advisors to help you make the most of your investments and achieve your life’s financial goals. They share dedication to personal service and attention, and a commitment to integrity above all. Meet them here.

Securities and insurance products are offered through Univest Investments, Inc., member NASD/SIPC, a licensed subsidiary of Univest Corporation of Pennsylvania. They are not FDIC insured, are not a deposit of or bank guaranteed, and are subject to risks, including possible loss of principal amount invested.