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Investment Planning

Building a strong financial cushion for you to rest on in retirement will allow you more freedom in your later years. Investment planning is a critical aspect of building that cushion. Choosing investments that fit your long term needs is a critical component of effective financial planning. This is how investment planning works.

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Why Use Investment Planning Services?

When you sign up for investment planning with a professional advisor, you make the first step towards creating a solid plan to secure your financial future. There are thousands of different investments to choose from, and navigating these options can be confusing and financially risky. An investment planner will help you set clear and measurable goals that help you more safely choose investments based on your long term expectations.

The Investment Planning Process

To begin investment planning, you must be clear on your exact financial goals. You must also have a good understanding of what resources you will have available for investments. Investments are often made using excess income. Therefore, you should first pursue income planning to develop a clear idea of your future expenses and how much income you will have in the coming years.

Consider Your Financial Position

Consider your current financial position; what assets, investments, and debt do you currently have? Understanding where you stand currently can help you to project how much risk you will be able to take in the long-term. It will also give you perspective on how much wealth you should hope to generate in investment returns. The process of evaluating your risk and analyzing potential returns on investments is often referred to as a risk-return profile. The risk-return profile can be used by investors to benchmark the performance of their investment portfolio.

Build A Strategy

Once you are clear on the risks you are willing to take and their potential return value, you can create and implement an asset allocation strategy. This strategy will be the foundation of your investment plan. It will be structured to allow maximum returns on your investments. During this stage of investment planning, you will decide which asset classes you invest in.

Optimizing diversification is key in this step of the investment planning process. The right combination of investments can minimize risk and maximize returns. You can work with your investment planner to implement a plan that is an acceptable level of volatility. Your investment planner will help you account for potential life changes that may alter the plan, such as relocating or retiring.

Choose Your Investments

Towards the end of the process, you will be expected to choose the exact investments that you will be making and how they will be managed. Your assets may be actively or passively managed, depending on your preferences. 

  • Suppose you have more than $1 million in assets. Your financial advisor may suggest an actively managed portfolio that could include assets like individual stocks and bonds. 
  • Smaller portfolios may rely on managed funds, like mutual funds or exchange-traded funds. If necessary, your advisor may construct an alternative portfolio with index funds chosen from various asset classes.

The financial advocates at Grutz Financial can help you review your portfolio’s performance at regular intervals, allowing you to make adjustments to your asset allocation to optimize your risk-return profile. Contact us now to schedule a meeting.

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Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Grutz Financial are not affiliated companies. Any and all other services referenced are an outside business activity not offered through or supervised by AE Wealth Management. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Any references to protection benefits, safety, security,  or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured. The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives. Our firm is not affiliated with the U.S. government or the federal Medicare program. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. The firm is not affiliated with the U.S. government or the federal Medicare program. 759187 – 11/20 Privacy Policy | Terms of Use

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