Our Investment Management Should Match YOUR Style
… not the Other Way Around.
Passive or Active, the approach used to manage your investments should match YOUR life, YOUR plan, YOUR goals and YOUR values. That said, there are certain rules that should be followed:
– Use Diversification to limit volatility.
– Build the portfolio to meet YOUR goals.
– Understand potential risks built into your investments.
– Don’t take on more risk than you can emotionally handle.
– Understand how your investments will perform in tough markets as well as good ones.
Your brain isn’t wired for investing money – It craves instant results which leads to speculating and poor investment decisions over the long run. Trying to manage your own animal spirits in your spare time is a recipe for disaster, especially when your hard earned life savings are at stake.
Get professional investment management expertise with a real, HUMAN Wealth Coach for the same rate charged for computer-driven asset management at a typical Robo firms.
Investing the Wealth Health Way Means
Understand and appreciate the reality of the race/game – it is what it is – for investing, The timetable is decades, not weeks, months or even quarters.
Keep a regular check on your progress compared to realistic expectations and your personal plan – not what other investors are doing at the moment.
Be prepared to adapt to changes that are part of the investing game. Be ready to take advantage of new investing opportunities as they present themselves.
A quality coach will pay dividends. Use their third-party perspective with years of education and investing experience to make better, more confident decisions.
Know Your Risks
There are long periods when the best strategy is just to buy and hold …
… but there are also times (like right now) when real danger exists, can be identified and should be avoided.
Our Portfolio Inspector Will Tell You How Your Portfolio Will Behave in the Next Correction
(which will happen whether you want it to or not)!
Investment Wealth Health dictates how well you’ll sleep at night during market corrections.
How YOU feel during a correction affects the choices you make about your investments which drives long-run investment portfolio performance. We can help you manage that and it starts with our FREE Portfolio Inspector Stress Test.
The Wealth Health Way
Know what you have and what it’s likely to do.
Odds are, you’re exposed to way more risk through your portfolio than you know or want. Investment managers are under pressure to keep up with the market and they expose YOU to extra risk to do it. They hide that risk behind concepts like modern portfolio theory, diversification and Buy & Hope investment strategies.
In 7 out of 8 years, this works out OK. Portfolio’s track the stock market and everyone is (relatively) happy.
It’s that 1 in 8 years that can be a problem!
At the turn of the century (2000-02), the market lost about 45%. Then in the Great Recession (2007-09) it dropped 53%. In each case the average investor lost more than half their money. This Bull Market is 7 years old and stocks are more expensive (fundamentally) than any time in the past 60 years except 2001.
How Will Your Portfolio Perform in the Next Correction?
The Portfolio Inspector is a FREE Stress Test tool that will help you understand your portfolio risk exposure. It’s quick – 2 questions and then you get the result – no email required unless you want a more complete report (also FREE).
In about two minutes, you can either confirm that everything is fine and you have nothing to worry about or that your life savings are likely over-exposed to significant potential losses. Either way, you’ll be better informed and THAT will make you a better investor.
ALTUS Wealth Solutions is a virtual Registered Investment Advisor firm (registered with the State of California) created in late 2007. We are NOT affiliated with any broker or dealer. We provide financial planning and investment management services for a fee, do not sell products nor are we paid to make any specific recommendations. We adhere to the fiduciary standard of care and make every attempt to do whatever is in our clients’ best interest.
John Buerger is the founder, owner, Chief Investment Officer and financial planner. John is a CERTIFIED FINANCIAL PLANNER™ professional with a BA in Economics from Middlebury College and a Masters of Science in Financial Services (MSFS) from the American College in Bryn Mawr, PA.