Tailoring Investment Strategies to Suit You


How much risk are you willing to take?

Stocks may have a reputation for being riskier than bonds, but you should also consider the risk that investing only in bonds may not accumulate enough money to finance all your aspirations in retirement.

It is true that stocks are more volatile than bonds, and there is no guarantee they will yield income, but they do provide the opportunity for growth.1 So, would you rather have a more reliable option with less income, or higher growth potential without a guaranteed return? If you’re like many people, you invest in a little of both, hoping that a diversified mix will smooth out periods of volatility but still provide a reliable return on investment. Keep in mind investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

One of the keys to investing is knowing what risks you’re willing to take and what’s absolutely off the table. Once you establish these parameters, it’s a good idea to put your strategy down in writing. This helps both you and your financial advisor stay on track, even when the markets hit a rough spot. Knowing what kind of strategy fits within the context of your own goals, risk tolerance and investment timeline can help you stay focused on long-term results, not temporary swings in the market.2

Part of knowing yourself is knowing what your limit is for adjustments to your investment portfolio. Investors who enjoy making trades in reaction to market activity may use just a portion of their assets to do so. As a general rule, diversifying across an appropriate blend of assets based on your timeline, financial goals and tolerance for risk is a good way to work toward your long-term goals without constantly wondering if you’ve made a wrong move.3

We can provide you a complimentary, no obligation risk and fee analysis of your portfolio. Please give us a call at 801-990-5055.

Our firm assists retirees and pre-retirees in the creation of retirement strategies utilizing investment and insurance products. Advisory services offered through B.O.S.S. Retirement Advisors, a Registered Investment Advisory firm.. Insurance products and services offered through B.O.S.S. Retirement Solutions. To see a list of services please visit us at bossretirement.com/services.

This content is provided for informational purposes only. It is provided by third parties and has been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.We are not affiliated with any government agency including the Social Security Administration.

1 Roger Wohlner. GoBankingRates.com. Aug. 16, 2016. “25 Investing Myths Debunked.” https://www.gobankingrates.com/investing/investing-myths-debunked/. Accessed Nov. 29, 2016.
2 Isaac Presley. CFA Institute. Nov. 29, 2016. “The Key to Great Investing.” https://blogs.cfainstitute.org/investor/2016/11/29/the-key-to-great-investing/. Accessed Nov. 29, 2016.
3 Walter Updegrave. Money. Nov. 16, 2016. “The Real Lessons the Presidential Election Holds for Your Retirement Strategy.” http://time.com/money/4569212/retirement-lessons-presidential-election/. Accessed Nov. 29, 2016.

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