W E A L T H IN T EL L I G EN C E W I S E I N V E S T O R


After the Bull


Preparing your portfolio for a bear market


NO ONE CAN PREDICT for certain if today’s bull market is indeed approaching its last hurrah. But either way, it’s important to prepare your portfolio for the possibility that a market correction or even downturn could be on the way.


Here are some steps your Regions Wealth Advisor can help you with:


REBALANCING YOUR PORTFOLIO. Ideally, you should review your asset allocation at least once a year to ensure your desired and appropriate mix of stocks, bonds and other assets hasn’t fallen off course. Near the end of a bull market is an especially good time to rebalance, because your stock allocation may have become severely infl ated — risking large declines if the stock market experiences a sudden drop.


BEAR-MARKET PORTFOLIO STRATEGIES. Certain types of investments have outperformed in previous market downturns. Bonds, international and emerging-market stocks, U.S. “blue-chip” stocks and real estate investment trusts (REITs) are a few investments that may be worth considering as potential hedges in case of a broad stock-market decline. It’s important to consider the effects of a potential market


downturn on your portfolio before it happens. Talk with your Wealth Advisor today about setting up a meeting. p


W O M EN & WE A L T H


Who Spends More on Healthcare — Women or Men?


BOTH MEN AND WOMEN need to be ready for future healthcare costs. But if you’re a woman, you may need to be extra prepared. Numerous studies have


found that women spend signifi cantly more on health- care than men over their lifetimes. A big reason women spend more is longevity: U.S. women have a life


HEALTHY CHANGES


$1,529 $2,135 under 19


expectancy of 81 while men have a life expectancy of 76.1 That gives them an average fi ve extra years to rack up medical bills. But there are other factors,


too: Research indicates that women visit the doctor more frequently, especially as they have children, and tend to seek out more preventive care. The National Center


for Health Statistics found that women made 30% more visits to physicians’ offices than men between 1995 and 2011.2 The takeaway? Women


need to factor the costs of medical and long-term care into their overall wealth plan- ning. Those who don’t could be greatly unprepared for such expenses later in life. p


Here’s how women’s average healthcare spending differed from men’s in 2012, by age:


YOUR REGIONS WEALTH ADVISOR CAN HELP YOU ESTIMATE HOW MUCH YOU NEED TO HAVE SAVED FOR HEALTH AND LONG-TERM CARE IN RETIREMENT BASED ON YOUR PERSONAL FACTORS. HE OR SHE CAN ALSO HELP YOU EVALUATE STRATEGIES TO SAVE FOR THESE FUTURE COSTS MOST EFFECTIVELY.


$3,254 $1,779 19–34


$3,608 $2,208 35–44


$5,186 $4,706 45–54


1Centers for Disease Control and Prevention, Mortality in the United States, 2012, October 2014. 2 4 R EG ION S I N S IG H T S  SUMMER 2 015 4 R EG ION S I N S IG H T S  SUMMER 2 015


$7,185 $7,367 55–64


$9,320 $9,329 65 and over


SOURCE: KAISER FAMILY FOUNDATION (BASED ON AN ANALYSIS OF THE MEDICAL EXPENDITURE PANEL SURVEY, AGENCY FOR HEALTHCARE RESEARCH AND QUALITY; U.S. DEPARTMENT OF HEALTH AND HUMAN SERVICES).


Centers for Disease Control and Prevention, Health, United States, 2012, 2013.


PHOTO: PEERAYOT


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