In times of market volatility, clients often default to survival instincts—leading to emotional decisions that can unintentionally harm their portfolios. As financial professionals, one of our most critical responsibilities is helping clients stay grounded, avoid unnecessary risks, and remain prepared for both turbulent and opportunistic market conditions. Ensuring their portfolios are properly diversified is a key component of that strategy.

Important Risks: Investing involves risk, including the possible loss of principal. • Foreign investments may be more volatile and less liquid than US investments and are subject to the risk of currency fluctuations and adverse political, economic, and regulatory developments. These risks may be greater, and include additional risks, for investments in emerging markets or if a fund focuses in a particular geographic region or country. • Fixed income security risks include credit, liquidity, call, duration, event and interest-rate risk. As interest rates rise, bond prices generally fall. • Diversification does not ensure a profit or protect against a loss in declining market.

The views expressed here are those of the authors. They should not be construed as investment advice. They are based on available information and are subject to change without notice. This material and/or its contents are current as of the time of writing and may not be reproduced or distributed in whole or in part, for any purpose, without the express written consent of Hartford Funds.