Do You Have a Beautiful Pie Chart Porfolio?

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When you see your statements, your portfolio is graphed into a really nice looking pie chart – it’s beautiful. Your advisor said you have so many funds because you’re diversified, in order to minimize risk. You may have been led to believe that mutual funds are way safer than stocks. You have been told your beautiful pie chart will protect your assets from volatility and losses AND you’ll earn a great rate of return. And to top it off, you may have been told you are only paying a total of 1 percent in fees.

But, what if what you’ve been told about your beautiful pie chart portfolio isn’t true? How can you tell if it’s not the truth? It’s simple. If you lost 10, 15, or 20 percent in the last quarter of 2018, you probably have a lot more risk than you want. Your beautiful pie chart may not look so beautiful now, does it?

If you want to learn how to turn your beautiful pie chart into a portfolio designed to reduce your risk during large stock market losses, contact us today.

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Ride Out The Stock Market? Maybe Not As Losses Are Harder To Make Up Than You’ve Been Told.

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You have been told to ride out the stock market, to stay invested, and losses will be easy to recover from. But, how much did you lose in 2000-2002 and 2007-2009 when the stock market crashed? Many people lost 50 percent.

Mathematically if you lose 50 percent you need to make a 100 percent recovery just to break even. That means if your one million dollar I-R-A loses 50 percent a 50 percent gain brings you back to only 750,000 dollars, far short of full recovery.

Your 500,000 dollar I-R-A value, after a 50 percent loss, would need a 100 percent gain to recover. That could take a long time if it happens at all.

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Episode 2: Answers to Your Pressing Financial Questions

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Join Jim Files and Dan Ahmad as they answer listener questions touching on topics that range from pension management to retirement planning to why it’s so important to have a written plan for your personal wealth management goals. Having a comprehensive financial plan for your future is critical to staying on top of your finances and setting you and your family up for the retirement you deserve.

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Are Your Assets Positioned For Success Or Failure During Retirement?

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Stage 1 of Retirement Planning is known as Asset Accumulation. You’re young, still working and investing monthly, had time to make up losses, and focused on maximizing growth, because you don’t need income from your assets.

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Do You Think The Stock Market Will Crash During Your Lifetime?

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The stock market has always been volatile, going and going down repeatedly. But what are the actual FACTS about stock market crashes?

Since 1929, the stock market has had 13 bear market crashes that have averaged -39.5 [pronounced “negative 39 point 5”] percent in losses.

While 13 crashes since 1929 doesn’t sound like that many, it means historically, the stock market crashes and loses an average of -39.5 percent every 7 years. Why is all this important? 2 reasons:

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The Stock Market Hasn’t Always Earned 8%, 10%, or 12%

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You may have been told to invest in the stock market because you’ll possibly earn 8, 10 and even 12 percent per year. And if you got these returns, everything would turn up roses. But what if you don’t?

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What Do You Want From Your Money?

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Recent studies show retirees have seven financial goals in retirement:

A guarantee that they won’t run out of money for as long as they live.

To avoid large stock market losses and never suffer through another 2008 type market crash again.

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