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Q3 2015
Getting Your Investment Portfolio Back On The Right Track

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As the headlines in the financial media have been dominated by news on Greece, Puerto Rico, and China, you most likely have watched your portfolio value fluctuate along with the markets.

As the headlines in the financial media have been dominated by news on Greece, Puerto Rico, and China, you most likely have watched your portfolio value fluctuate along with the markets.

But at the same time a more worrisome drop may have occurred – a drop in your confidence as an investor, a drop caused by both the volatility and a lack of guidance and direction regarding how best to get back on track toward your long-term goals.

If that’s your situation, you should know that the key to regaining control over your investing future lies in asking yourself some basic questions:

Investor “Red Flags”
  • Are you concerned about your retirement savings and whether or not you will be able to retire when you had planned?
  • Has your long-term investment strategy become a short-term focus on “yesterday’s winners?”
  • Has it been a while since you reviewed your strategy?
  • Are you paying large tax bills, even though your investment portfolio has dropped in value?
  • Most importantly, are you not getting sufficient advice and guidance on enhancing your chances of regaining lost ground?

Back to The Basics

If you are experiencing any of these “red flags” then this could be an indication that your investment strategy doesn’t accurately reflect your current personal situation.

For example, your portfolio now could:

  • Have become too concentrated in certain industries or types of securities (such as high yield bonds and high dividend paying stocks) in an attempt to capitalize on short-term market trends;
  • Contain more risk than you may find comfortable in today’s environment;
  • Be poorly designed – or not at all designed – to consider after-tax returns;
  • Be generating significant costs and expenses without providing personalized service and guidance in return.

Recent market volatility and current valuation levels make this a challenging time for investors. The ongoing media headlines and unclear economic data may have left you uneasy about your goals and investments.

The best way to correct this situation and take back control of your future is through an objective analysis of your portfolio and strategy.

This “financial checkup” is one way to help ensure that your portfolio is properly managed and your strategy still suitable. A customized portfolio assessment should include not only your individual securities holdings, but also an assessment of your goals and risk tolerance, your tax status and potential liabilities, and a cost/benefit analysis of the fees and expenses you are paying.

 

RubinBrown Wealth Advisors help clients identify, prioritize and achieve their financial goals and objectives utilizing an experienced group of professionals that can integrate income taxes, estate taxes, financial planning, risk management and investment management needs, all in one place, throughout their lifetimes.

RubinBrown Advisors may only transact business in any state if we are first registered, excluded or exempted from the applicable registration requirements. Follow-up, individual responses or rendering of personalized investment advice for compensation will not be made absent compliance with applicable state registration requirements or an applicable exemption or exclusion.

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