How To Invest

In addition, Pat thinks then beginner investors should cultivate two important qualities: a healthy sense of skepticism and patience.

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Investors should approach all investments with a healthy sense of skepticism. This can help keep you out of fraudulent stocks that masquerade as high-quality stocks. It will also keep you out of legally operated, but poorly managed, companies that promise more than they can possibly deliver.

If you are a new investor, you should also realize that losing patience can cause you to sell your best choices right before a big rise. All too often, investors buy a promising stock just as it enters a period of price stagnation. Even the best-performing stocks run into these unpredictable phases from time to time. They move mainly sideways in a wide range for months or years before their next big rise begins. (Stock brokers often refer to these stocks as “dead money.”)

If you lack patience, you run a big risk of selling your best choices in the midst of one of these phases, prior to the next big move upward. If you lose patience and sell, you are particularly likely to do so in the low end of the trading range, when stock prices have weakened and confidence in the stock has waned.

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How To Invest Library Archives
“How long should I hang onto stocks in my portfolio that have dropped in price?” It’s a question we hear from time to time—usually near the end of the year when investors’ thoughts turn to tax-loss selling.


As a strategy, tax-loss selling lets investors lower their capital gains tax. The aim is to sell a security at a loss to offset capital gains on other stocks. Typically, the losses are deducted against taxable gains for the current tax year. Still, they can be carried back for up to three years or carried forward indefinitely to offset your future capital gains.



A recent Inner Circle question references this strategy, although it’s more focused on asking whether we advise selling one of our longtime recommendations, CN Rail. You can see our answer below, but (spoiler alert) we continue to see the stock as a buy.



More broadly, there’s no one-size-fits-all answer to the question of when, or if, to sell a stock that’s fallen. Stock prices are volatile, no less so in today’s market, impacted by shifting supply chains for many companies and lingering inflation fears.
This month, we are updating our WSSF Portfolio for Income-Seeking Investors.


This portfolio is a good starting point for investors who need income. It’s also a starting point for conservative investors, since regular dividends are an indicator of investment quality.



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A: Occasionally, investors ask why we go into such detail about the finances and fundamentals of the stocks we recommend. Why not just buy the stocks that are going up, then place stop-loss orders so we sell them when they quit rising?


This is a partial description of the momentum approach to stock market investing. Essentially, under that strategy, you buy stocks that are rising and reporting rising earnings, or earnings gains that beat expectations. You then sell when the stocks quit rising or when earnings growth stalls.



This approach would work great if nobody else ever thought of it.
Rising revenue and earnings lifted hospital-equipment supplier Steris to an all-time high on November 12, 2025. The stock has retreated a bit from that $268.30-a-share milestone, but we expect it to regain that high and exceed it.


Going forward, the company is in a great position to profit from favourable long-term demographic trends such as an aging population. The sale of its Dental unit last year has also sharpened Steris’s focus on more lucrative markets.



I asked our Successful Investor research department to draw up this Inner Circle Spotlight report on the stock. It explains why we see the stock as a solid addition to any investor’s portfolio. We hope you enjoy and profit from this Spotlight on Steris.
A: Wayfair Inc., $95.99, symbol W on New York (Shares outstanding: 130.3 million; Market cap: $13.0 billion; www.wayfair.com), is one of the world’s largest online destinations for home furnishings. Through its e-commerce platform, the company offers furniture, décor, housewares and home improvement products.


Wayfair’s customers span a wide range of demographics, with annual household incomes ranging from $25,000 to over $250,000. They also include business professionals, from small startups to global enterprises.



The company tries to appeal to customers with different tastes, styles, buying goals and budgets when shopping for their homes and businesses. To that end, it offers a family of websites, each with a unique brand identity and product lineup.