Is your portfolio positioned to help you in retirement?

In retirement, your portfolio should help you generate income and growth that meet your personal needs.  

Is your portfolio capable of doing that? Are you managing it alone, or do you have professional asset management to help you?

Casey will assist you with your portfolio allocation, and help you as you reach for your financial goals. 

What is Modern Portfolio Theory?

Investopedia defines Modern Portfolio Theory (MPT) as a theory on how risk-averse investors can construct portfolios to optimize or maximize expected return based on a given level of market risk, emphasizing that risk is an inherent part of higher reward. According to the theory, it's possible to construct an "efficient frontier" of optimal portfolios offering the maximum possible expected return for a given level of risk. This theory was pioneered by Harry Markowitz in his paper "Portfolio Selection," published in 1952 by the Journal of Finance.

How does MPT work?

A major insight provided by MPT is that an investment's risk and return characteristics should not be viewed alone, but should be evaluated by how the investment affects the overall portfolio's risk and return.

What we are attempting to do with MPT is to combine investments that don’t just work independently of one another, but work together as a whole. Based on statistical measures such as variance and correlation, an individual investment's return is less important than how the investment behaves in the context of the entire portfolio.

Casey can check your portfolio and provide insight on how your investments work with each other, … and show you scenarios detailing the effects of various levels of retirement income distributions or withdrawals on your portfolio. Casey can help illustrate how much you might be able to withdraw per month without depleting your savings, and suggest alternate income streams if necessary.

Successful investing is not about making guesses and then hoping for the best. You need a plan. 

Casey Calder can help guide you through the decision making process both now and in the future. Call or e-mail him today to learn about the experienced leadership he can provide for your portfolio.

Certain risks exist with any type of investment and should be considered carefully before making any investment decisions.  Keep in mind that current and historical facts or returns may not be indicative of future results.