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Paid Advertisement:


DO YOU CARE HOW YOUR INVESTMENTS


GENERATE RETURNS WHEN YOU ARE RETIRED? (IF THE ANSWER IS YES, READ ON)


A recent study from Wilshire and Associates (a well respected investment consultant who helps oversee $8 trillion in assets for over 600 institutional clients) recently identified “depletion risk” and “path risk” as the two biggest challenges facing individuals in retirement. What do these two things really mean? Basically not understanding volatility in your portfolio can mean you run the risk of running out of money prematurely if you are planning on using your investment account to supplement your retirement income. A retired person’s portfolio should be more geared for income versus a younger investor who is solely focused on investment gains. What are some of the main ways you can mitigate these risks?:


• Focus on investment vehicles that earn a large component of their return from dividends or yield (focusing solely on capital appreciation typically means you have a more volatile portfolio)


• Focus on adding assets that are typically not correlated to stocks and bonds (this will tend to “smooth” investment returns)


• If your investment advisor has not discussed how he or she seeks to generate returns (versus just talking about an outdated stock and bond portfolio) it may be time to seek additional advice


Heading toward retirement?


Call or email us to discuss how you should be positioned going into 2017 www.ai-mgmt.com • 562 - 433 - 1400 •


kurt@ai-mgmt.com 5941 Naples Plaza Long Beach, CA 90803


The information above shall not be used as financial or tax planning advice. It is intended as general information only and examples above are for illustration. Always consult a financial advisor when considering any investment strategy. Andorra Investment Management is a Registered Investment Advisor and is NOT a tax advisor or accounting firm.


14 • March 2017


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