As market conditions change, our portfolios change. When a fund falls in our ranks, it's replaced. Adaptive Portfolio Enhancement, our innovative model, identifies no-load funds that are performing well at any given time. The model calculates the strength of a mutual fund’s price trend and then ranks funds based on that strength. The no-load funds that are reviewed are strategically varied in type and objective, spanning a wide variety of industrial sectors, asset classes and international regions. No matter which way the market turns, strong performers are in the ranks from which to choose.
How do you keep your money growing?
The more money you have, the higher the stakes. Have you questioned if the investment strategies that worked in the past ( buy and hold, static allocation and passive diversification) are appropriate strategies to use in our changed global economy?As an investor, you have seen that funds that do well in one period infrequently are funds that do well in the next time period. We encourage you to find out more about how we identify trends in their early formation, how performance is used to select funds to buy, when to buy them and more importantly, when to sell them. In short, how we are geared to keep your money growing.
Adaptive Portfolio Enhancement Strategy
The liquidity and flexibility offered through no-load mutual funds is fundamental to our investment management strategy. Our innovative qualitative and quantitative Adaptive Portfolio Enhancement Strategy identifies funds that are participating in the latest upward trends. Our investment strategy takes advantage of the excess returns provided and the diversification offered by these top-performing funds. Perhaps more importantly we avoid under-producing, troubled areas of the market by being able to differentiate between market leadership and market volatility.
What will you FOCUS on financially?
The average retirement age in this country is 62. Assuming your spouse is also 62 and neither of you smoke, the age at which the survivor's death will occur is 92. So if you retire today, you and your spouse are looking at the probability of a 30-year retirement. Does this seem inconceivable? It might. Many of our parents and grandparents did not enjoy decades-long retirements. But we may. Many of us will need income 30 years after we retire. The trouble is that people cannot invest successfully for a retirement they cannot imagine.
What NEEDS to be done?
The goal, then, is to produce a lifestyle-sustaining income with the capacity to last an average of 30 years. Are you absolutely certain that your income will sustain your lifestyle throughout your retirement? Or will your money eventually run out?
Your long-term financial fate depends on a lifestyle-sustaining income. And the dominant financial issue which governs whether you will have a lifestyle-sustaining income is the preservation of purchasing power!
Emotionally, this is difficult for many people to grasp. Our instincts tell us to protect our principal - but our life experience tells us why preserving purchasing power is so important.
Your income must RISE
Inflation never really stops rising. If 3% inflation continues for 30 years, consumer prices will increase roughly 2¸ times. That's a 60% loss of purchasing power. In the 30th year of retirement, you will need $2.50 of income to purchase the goods and services which $1.00 of income will purchase today.
The price of a postage stamp tells the story vividly. In 1980, a first-class U.S. postage stamp cost 15 cents. Now, that same stamp costs 44 cents.
The long-term investor is well advised to vigorously defend against the loss of purchasing power. Accepting that risk is the erosion of purchasing power is necessary before one can truly make sound portfolio decisions.
INVEST to keep pace
The only rational goal of a long-term retirement portfolio is to produce a dollar income that out paces or keeps pace with the rate of inflation. Owning a diversified equity portfolio that adapts as the market changes is the surest way to accumulate and preserve wealth over the long term.
The DECISION that matters
At some point during your 30-year retirement when your living costs have doubled, your income will no longer be enough to sustain your lifestyle. As the gap continues to widen, you will start spending principal - and that's the beginning of a spiral into poverty.
You have only one investment decision to make. It has nothing to do with the markets or the economy. It has everything to do with whether you run out of money or not.
If sustaining your lifestyle throughout retirement is your goal, owning equities is the only answer, because only equities can so peerlessly defend your purchasing power!
1995-2000 Large Cap Growth (S&P 500)
2001-2004 Small Cap Value
2004-2007 International & Emerging Markets
2008- 2009 Defensive Investments late 08 early 09
To schelule a retirement strategy session- call 707- 836- FUND (3863)
