Managing Risk in your Investment Portfolios:
"Getting Necessary Returns in "Stage II"
Class Description:
We will discuss how you should invest in "Stage II" or when your are withing 5-10 years of retirement. It is not the same as in "Stage I" or how you managed your portfolios from when you started working until in your 50's. We will cover key topics and strategies in Stage II, why it's imperative to focus on consistent income streams, and why it is critical to avoid taking large losses. We discuss "Safe Money" investment options, and not just owning stocks, ETFs, mutual funds, and bonds.
Date and Time: To Be Determined
Location: College of Marin
Number of Days: 1 day (Sat AM)
Hours of Class: 4 hours
Why Take Our Class? Did you know that you manage your investment portfolios differently in "Stage II" vs. Stage I when you're still working. And your focus is different?
Topics Covered:
1. What “sequence of returns” risk is—and why it can wreck a retirement plan.
2. The key difference between accumulation and decumulation investing.
3. Strategies to lower volatility without sacrificing all upside.
4. How to use “buffered” or “structured” products to reduce risk.
5. Why retirees should manage risk before the next downturn, not during.
6. How to position accounts for withdrawals in any market condition.
7. Why diversification is not the same as protection.
8. The importance of “safe money” buckets in early retirement years.
9. How to rebalance portfolios for income, not just growth.
10. What successful retirees do differently to sleep at night during bear markets.
Key Takeaways:
What is Risk? What does that mean to you? Do you know your investment portfolio Risk Score (RS) is, or your Risk Tolerance Score (RTS)?
Stage II requires a different mindset, approach, and strategy vs. Stage I of your investment portfolios.
Your priority is not necessarily getting the highest return possible, but the "most certain" income.
You must avoid large losses; otherwise you may not recover in time for retirement.
You should consider the entire universe of investment options: include CDs, Money Market Funds, Annuities, Cash Value Life Insurance, Cash Balance Retirement plans, real estate, and other.
You want to update your retirement & financial plan often, with your portfolio investment returns.