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If you’re a beginning investor, it’s likely you’re concentrating on building your portfolio.  But as important as it is to build that portfolio, you should also ensure that it’s diversified.

Why is a diversified portfolio so important?

There are three key reasons why diversifying is important:

Summer’s finally here. The sun is out, it’s warm, the days are longer, and your worries seem just a little bit further away. But, folks, I’m sorry to say, sometimes storms roll in on the sunniest of days.

At the end of the month, do you often find yourself with a lot less money than you expected?  Do you have a hard time determining exactly what you spent your money on? Do you feel that you should have more to show for your hard work than you currently do? Are you and your spouse or partner always fighting about money?

As you know, your financial plan is comprised of many parts. This would equate to what one of the greatest investors and CEO of Berkshire Hathaway, Warren Buffett, calls the “economic trees.” In other words, let’s not get too caught up on any one investment.

In This Issue:

• Key Retirement and Tax Numbers
• Hybrid Funds, Lifestyle or Target?
• What Happened to Your Money?

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A financial goal is a life destination which requires a map and a way to get there; and, assuming you have finite resources with which to successfully make the trek, they need to be used wisely or you are likely to come up short. If you have a long term goal, financial planning can help you get there.

We view goals as life’s destinations, whether it is where you want to be at the end of the day or at some point in the distant future.

In the January 2019 Issue:

Market Volatility:

• The Prescription
• A History of Market Corrections
• Staying the Course​

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Many investors, especially those still reeling from the 2008 – 2011 stock market roller coaster ride, have developed a low tolerance for volatility. As a result they have moved a significant portion of their investments into bonds or other fixed yield vehicles.

All investors – be they conservative, moderate or aggressive – need to understand that the level of returns they expect to generate is directly related to the amount of risk they are willing to assume – the higher the return, the higher the amount of risk one needs to take.