IDEXX Laboratories employees navigating volatile markets should remember that staying disciplined with a long-term financial plan can often lead to more favorable outcomes than reacting emotionally to short-term headlines. – Kevin Landis, a representative of The Retirement Group, a division of Wealth Enhancement.
IDEXX Laboratories employees should remember that emotional decisions and market timing can derail years of disciplined planning—staying the course with a tailored strategy is often the most effective path to long-term success. – Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.
In this article we will discuss:
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Why market timing can carry significant risk—even when headlines seem clear.
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How emotional decisions may influence long-term investment outcomes.
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The value of sticking to a customized financial plan.
Unforeseen events can significantly influence investor outcomes, as recent market activity has demonstrated. Amid ongoing volatility, the markets have been experiencing unpredictable ups and downs. IDEXX Laboratories employees who exited the market before recent spikes may have missed out on potential returns. Similarly, selling into a down market may crystalize losses, impacting the long-term performance of a portfolio.
Tyson Mavar, a wealth manager and financial advisor at Wealth Enhancement, states, “This is precisely why we advise clients not to attempt to time the market.” Trying to forecast what happens next can often lead to subpar results, especially for IDEXX Laboratories employees focused on retirement goals.
Mavar highlighted that reacting to fear during market turbulence can throw long-term planning off track. Investors who follow a disciplined, strategic framework often experience more favorable results over time—particularly important for IDEXX Laboratories professionals preparing for retirement with significant pensions and savings.
At Wealth Enhancement, the emphasis is on consistent planning rather than reacting to daily headlines. Their methodology is designed to adapt through fluctuations, anchored in long-term objectives. “We help clients focus on what’s within their control—such as investment planning, portfolio structure, and saving behaviors,” Mavar noted—guidance that IDEXX Laboratories employees may find helpful when facing market ups and downs.
Historical data shows that maintaining investment positions during market disruptions tends to result in better outcomes. Trying to exit and reenter markets at precisely the right time rarely works—and can often lead to missed opportunities during major rebounds. For IDEXX Laboratories employees nearing retirement, staying consistent may yield better outcomes than trying to chase timing strategies.
The central message for anyone at IDEXX Laboratories rethinking their portfolio or hesitant about reentering the market: have a thoughtful financial plan in place before markets fluctuate. Results often stem from consistency and preparation, not from spur-of-the-moment decisions.
A recent DALBAR study (2023) found that the average equity fund investor earned just 6.81% annually over a 30-year period—substantially lower than the S&P 500’s 10.12% annualized return. This gap was largely attributed to emotional investment behavior, such as exiting during downturns and reentering too late. For IDEXX Laboratories employees, this data emphasizes the potential value of consistent investment strategies during job transitions and retirement planning.
Want to know how missing the right moment can impact your financial future? This article highlights the risks of reactive investing, offers time-tested strategies, and illustrates how aligning with a structured retirement-focused plan can help navigate unpredictable markets—particularly for IDEXX Laboratories employees in transition.
Trying to time the market is like attempting to hop onto a moving train in the dark. It might work occasionally, but more often, it leads to missteps. Markets can change course quickly based on unexpected developments. Long-term investors—like IDEXX Laboratories retirees with a structured approach—often benefit from staying the course, much like a traveler who follows a steady itinerary rather than chasing every departing train. According to DALBAR (2023), those who remain consistent tend to outperform those making frequent timing decisions.
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- Corporate Employees: 8 Factors When Choosing a Mutual Fund
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- Worst Month of Layoffs In Over a Year!
- Corporate Employees: 8 Factors When Choosing a Mutual Fund
- Use of Escrow Accounts: Divorce
- Medicare Open Enrollment for Corporate Employees: Cost Changes in 2024!
- Stages of Retirement for Corporate Employees
- 7 Things to Consider Before Leaving Your Company
- How Are Workers Impacted by Inflation & Rising Interest Rates?
- Lump-Sum vs Annuity and Rising Interest Rates
- Internal Revenue Code Section 409A (Governing Nonqualified Deferred Compensation Plans)
- Corporate Employees: Do NOT Believe These 6 Retirement Myths!
- 401K, Social Security, Pension – How to Maximize Your Options
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- Worst Month of Layoffs In Over a Year!
Sources:
1. DALBAR, Inc. 30th Annual Quantitative Analysis of Investor Behavior (QAIB) Report . 2024, pp. 1–3.
2. Benz, Christine. A Down-Market Survival Guide for Retirees. Morningstar , Sept. 2022.
3. Financial Strategies Group . Emotional Investing Part 2: The Costs of Investing Emotionally. 2024.
4. The Wall Street Journal Staff. How to Make Major Money Decisions Right Now: A WSJ Guide. The Wall Street Journal , Apr. 2025.
5. Morningstar Research Team . Does Tolerance for Risk Change in Retirement? Morningstar , Nov. 2024.
What is the 401(k) plan offered by IDEXX Laboratories?
The 401(k) plan at IDEXX Laboratories is a retirement savings plan that allows employees to save a portion of their salary on a tax-deferred basis.
Does IDEXX Laboratories offer a company match for the 401(k) contributions?
Yes, IDEXX Laboratories offers a company match for employee contributions to the 401(k) plan, which helps employees grow their retirement savings.
How can employees enroll in the 401(k) plan at IDEXX Laboratories?
Employees can enroll in the 401(k) plan at IDEXX Laboratories through the company’s HR portal or by contacting the HR department for assistance.
What is the minimum age requirement to participate in the 401(k) plan at IDEXX Laboratories?
The minimum age requirement to participate in the 401(k) plan at IDEXX Laboratories is 21 years old.
Can employees of IDEXX Laboratories change their contribution percentage to the 401(k) plan?
Yes, employees at IDEXX Laboratories can change their contribution percentage to the 401(k) plan at any time, subject to the plan's guidelines.
What types of investment options are available in the IDEXX Laboratories 401(k) plan?
The IDEXX Laboratories 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.
Is there a vesting schedule for the company match in the IDEXX Laboratories 401(k) plan?
Yes, IDEXX Laboratories has a vesting schedule for the company match, which means employees must work for a certain period to fully own the matched contributions.
How often can employees at IDEXX Laboratories review their 401(k) account statements?
Employees at IDEXX Laboratories can review their 401(k) account statements quarterly, and they can also access their accounts online at any time.
What happens to the 401(k) plan if an employee leaves IDEXX Laboratories?
If an employee leaves IDEXX Laboratories, they can choose to roll over their 401(k) balance to another retirement account, cash out, or leave the funds in the IDEXX plan if eligible.
Are there any fees associated with the 401(k) plan at IDEXX Laboratories?
Yes, there may be administrative fees and investment-related fees associated with the 401(k) plan at IDEXX Laboratories, which are disclosed in the plan documents.