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Market movements, business decisions, economic events,
performance of your investments. Instead of worrying about events that are out of your hands, focus on
FOCUS ON WHAT YOU CAN CONTROL
TUNE OUT THE NOISE
PUT TIME ON YOUR SIDE
DON’T TRY TO TIME MARKETS
News cycles driven by fear, uncertainty, and doubt can challenge even the most disciplined investor. Some headlines spark anxiety, while others try to goad you into chasing
to make faulty investment decisions. When in doubt, tune out
You’ve probably heard someone tell you that “buying low and selling high” is the road to investment success. The problem is that you never know how the market will perform from year to year or which segment will outperform. Yesterday’s winner may be tomorrow’s loser, and chasing performance is rarely a
a prudent investment strategy that seeks to protect and grow your investments in all market environments. 2
have provided growth of wealth that has more than 1
Create an investment
and risk tolerance.
along dimensions of expected returns.
Diversify broadly.
Minimize taxes.
Reduce expenses and turnover.
S&P 500 3-Month T.Bill 10-Year T. Bond
$100
$1,000
$10,000
S&P 500 Index$123,667
1946–2013 (Compounded Annually)
$100,000
1946
1966
1976
1956
1996
1986
2006
2013
Higher Rates
Lower Rates
Bonds S&P 500 Russell 2000
2007 2008 2009 2010 2011 2012 2013 2014
China Headed for Hard Landing
Is the Bull Market Over?
Oil Prices
Plummet
2
5
76
8
UNDERSTAND ALL FORMS OF RISK
KICK UP THE SAVINGS
AVOID THE EMOTIONAL ROLLER COASTER
DELEGATE THE DETAILS
and rising healthcare costs mean that many Americans face the
While you shouldn’t be reckless about risk, make sure that fear of investment loss isn’t leaving you open to other forms of risk.
Spending less and saving more is one of the best things you
simple example: if you had $250,000 in savings, earned an annual salary of $100,000, and invested 10% of your salary each year at a 6% nominal annual return (with 3% annual
if you increased your savings rate by just 1% each year to a maximum of 15%, you’d end up with $966,269. 3
Financial professionals can help you create a customized
we can’t control markets, we can help you use them to pursue
S&P 500 returned 9.9% between 1995 and 2014, the average investor fared much worse, seeing only a 2.5% return during the same period. Why? Research suggests that investors make poor investment decisions about buying and selling, frequently driven by the opposing psychological forces of fear and greed.
Higher Savings Rate
Saving just 1% more each year could make
Stable Savings Rate
Inve
stm
ent B
alan
ce$954,295
Stable vs. Increasing Savings Rate
$250,000
$350,000
$450,000
$550,000
$650,000
$750,000
$850,000
$950,000
2 4 6 8 10 12 14 16 18 20
$801,950
Euphoric
Nervous
Defeated
Desperate
Hopeful
Rigorous goals discovery
Tax-smart
monitoring and oversight
Regular reviews and responsive service
Investment strategy development
CLIENT
Disclosures:
Price Index (All Urban Consumers) compounded annual rate. Past performance is no guarantee of future results. Indexes are not available for direct
to measure the performance of the developed stock markets of Europe, Australasia, and the Far East. Barclays Aggregate Bond Index (formerly the
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Bravias Financial is an indepedent �nancial advisory �rm. Investment Advisory Services o�ered through AlphaStar Capital Management, LLC., a SEC Registered Investment Advisor. AlphaStar Capital Management LLC and Bravias Financial are independent entities. Insurance products and services are o�ered through individually licensed and appointed agents in various jurisdictions. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your �nancial advisor for further information.