When you combine Growth and Liquidity, you are considering securities like Stocks, Mutual Funds, ETFs, and more. These investments have the greatest upside potential, but they also have the most risk as there is no principal protection. Many retirees feel that they want some risk in their plan. This is determined by each person’s suitability and comfort level, but when we consider the principles that govern proper retirement planning, there is no problem in having some risk in your plan.
In considering your options to have risk exposure, many individuals turn to the famous “Buy-and-Hold”. With the markets having a historical pattern of crashing every 7-8 years, most retirees may not have enough time to “ride it out”. As we lay out the risk investment strategies that are available, we have found that two-sided models seem to be the most appropriate for a retiree.
Two-sided investment models are built to keep up with the markets in the up years and help protect your assets in the down years. Driven by computer algorithms, they can look at the market internals, and help tell you what to buy, when to buy, and when to sell. Can you imagine if someone told you to sell your assets before 2008 and then to buy in 2009 when the markets started to recover? These models are designed to do just that.
Decker Retirement Planning has gone out and scanned the largest databases to find the best managers and make them available to all retirees that want to invest in a mathematical approach. Third party verified, all those who come in to visit are shown the incredible returns these two-sided models can offer.