There is always the risk of losing money when you invest in the market since you can expect the value of your portfolio to change every day - up or down.
The idea behind retirement is that you’re investing for the long-term, so focusing on short-term swings can cause unneeded stress and rash decisions. Predicting highs and lows, or “timing the market,” is nearly impossible and more often than not leads to worse portfolio performance - even for professionals in the industry.
Instead, history has shown that patience pays off. It’s better to steadily invest in a diversified portfolio over a long period of time. The longer the period, the higher the chance of positive returns.
Retirement
A retirement account matches you with an age-based retirement portfolio. Oportun intelligently determines just the right amount to invest so you can take advantage of long-term growth without having to stress about the day-to-day swings. In other words, you can relax now so you can relax later.
Investing
An investing account matches you with a diversified portfolio according to your risk tolerance. Oportun intelligently determines just the right amount to invest so you can take advantage of long-term growth without having to stress about the day-to-day swings.