Archive - April 6, 2009

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Examine Your Retirement Plan’s Stable Value Fund Closely
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Does your advisor put your interests first?
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The Financial Plan – Why it is Important to Limit Loss

Examine Your Retirement Plan’s Stable Value Fund Closely

retirement funds over timeMany employer-sponsored tax-deferred retirement plans, including 401(k)s, offer a unique investment option called a “stable value” fund. If you’ve invested in such a fund, you should take a close look at what’s inside – its value might not be as stable as you think.

For years, I’ve had some of the money in a 401(k) plan with my former employer invested in something called the “fixed income fund.” The fund documents describe it as a conservative cash-like investment with a $1.00/share price.  Over the years, the fund has always yielded more than a money market fund; its current yield is …

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The Financial Plan – Why it is Important to Limit Loss

The Pain to Gain Ratio

  • If you lose 5% of your portfolio, it takes a gain of 5.3% to get back to even.
  • If you lose 20% of your portfolio, it takes a gain of 25% to get back to even.
  • If you lose 50% of your portfolio, it takes a gain of 100% to get back to even.
  • If you lose 90% of your portfolio, it takes a gain of 900% to get back to even.

Conclusion: If you limit your losses, the road back to prosperity is much easier. Work with your financial advisor to develop an investment

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