Portfolio Protection
Reducing the risk of loss with your investments
Reducing the risk of loss with your investments is generally related to six known factors. We help Central Ohio retirees understand and manage each one.
Not knowing or deviating from your risk tolerance
Not understanding whether an investment is aggressive or conservative — or whether you are. Being too risky when markets are rising and too conservative when markets are retreating.
An unrealistic time frame
Gains are developed over time. Setting a reasonable return over several years builds wealth. Chasing the latest trend or a concentrated position for a quick profit usually ends badly.
Lack of asset diversification
Holding several investments across diverse industries and business sectors provides broad distribution that can reduce the risk of loss.
No emergency fund
Being forced to liquidate investments before they mature — or before your intended holding period — to cover unexpected expenses.
Lack of planning for health care issues and cost
High cost of health insurance coverage, a high percentage of retirees needing long-term care, and the cost of adapting your home to age in place.
Poor planning for rising inflation
Inflation can double your cost of living roughly every 21 years.
Worried about protecting what you’ve built?
Let a fee-based fiduciary advisor stress-test your portfolio against these six risks.