Safetyfirst Savings.  Investing.  For Life.

Stop Losing money in the Stock Market.                                                                                               

"We Can't Afford to Lose what we've worked so hard   to save".

 

Safety of principal is at the heart of a Safetyfirst portfolio.    We specialize in constructing principal protected portfolios    designed for the rest of your life.

The biggest failure of any portfolio is the failure to properly quantify Risks Before you are able to make your portfolio whole again, you have to quantify what risk you are taking. Knowing what is needed to make you whole or make you profitable again is a great reality check. You must first accepted the fact that you have lost money in the Stock Market and then cut those loses fast. A good rule of thumb is to measure your losses against the average past year performance. Consider the following. According to the Urban institute, age 50+ savers have half of their assets in stocks. the Standard and Poors 500 index, which is traditionally used as a benchmark for domestic stock performance, was down approximately -37% in 2008. That means that if you began with a balance of $500,000 in stocks December 2008, your portfolio, at the beginning of 2009 was worth $325,000. In order for you to get back to your starting point, you will net to grow your new account balance of $325k a mere 54 percent. Sobering, I know. Here’s what we suggest. You have to first accept the losses and purpose to move forward with the existing balance, not looking back. With the money you’ve already lost in your Estate, you have forfeited your right to gamble with that money any further. that money should now be clasified as safe money. Money you must protect. you have to stay on course with it by producing a consistent rate of income and return going forward. Safety First. Any speculation going forward must be with new money. Never money you are attempting to nurse back to wealth. This approach will help you to maintain discipline on future investments and force you to perform proper due diligence and stick to a plan. We specialize in fixing stock market and investment portfolios that are damaged. We construct investment and savings plans that work for pre-retirees and retirees in Colorado. Feel free to attend one of our workshops or contact us at 303-660-2449 for a free assessment.