The reassurance of having a pressure-tested portfolio

Jannie Delucca


Tim Buckley: Karin, as you know, I’m a little bit of a geek when it comes to technology behind all the advice that you provide. And I think it’s helpful for our clients to know the sophistication behind it. So whether you’re a retiree or a pre-retiree, we’re considering thousands of different market simulations to make sure your portfolio can hold up.  So when we say that we’ve actually stress-tested your portfolio, we’ve thought about times like we’re going through right now.

Karin Risi: That’s exactly right. What you’re describing is Monte Carlo simulation. And as you said, we pressure-test the portfolio against 10,000 scenarios—one just like this, and actually, many that are even worse than this. So our portfolios are built to weather this volatility.


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3 reasons not to move your portfolio to cash

Jannie Delucca

Logically, you know your asset mix should only alter if your aims alter. But in the deal with of extreme marketplace swings, you may perhaps have a tough time convincing on your own of that—especially if you are retired or near to retirement. We’re below to aid.

If you are tempted to transfer your inventory or bond holdings to funds when the marketplace drops, weigh your final decision against these three points just before having any action.

  1. You’ll “lock in” your losses if you transfer your portfolio to funds when the marketplace is down.

    As soon as you’ve bought, your trade simply cannot be modified or canceled even if conditions enhance promptly. If you liquidate your portfolio these days and the marketplace rebounds tomorrow, you simply cannot “undo” your trade.

    If you are retired and rely on your portfolio for money, you may perhaps have to consider a withdrawal when

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