You're past half time. As you move closer to funding your financial goal, the focus shifts to preserving the wealth you've built while maintaining a growth mindset.
Because large losses can put your financial goals in jeopardy, we help you preserve your wealth from catastrophic market events while still pursuing the upside growth you need to realize those goals.
In the GUARD Stage we want to avoid 3 key and common pitfalls:
1) Catastrophic Losses and Drawdown Risk. For investors nearing retirement, preserving wealth during market corrections of 25% or more should be high priority.
2) Lack of Growth. Traditional asset allocations tend to favor bonds as investors near or enter retirement. But real interest rates are at or below zero and expected to stay there.
3) Emotions. Fear and overconfidence can cause investors to make decisions that put their financial goals in jeopardy.
At XCountry Financial, we put a disciplined investment strategy in place that helps you override your emotions and stay the course in up or down markets.
Once you reach the GUARD Stage, your portfolio is more complex-above and beyond contributing to a personal IRA and/or an employer sponsored retirement plan. We need to make sure you have the right players on the field to preserve what you've accumulated.
Depending on your individual goals, size and complexity of your financial situation-this involves one and/or all of the listed investment vehicles, It's not a one size fits all game plan.
The players can include:
-Individual securities (Stocks/Bonds/Alternative Investments)
-Traditional Mutual Funds and/or ETF's
-Managed Accounts-Institutional fund managers
One of our star specialty players is XCountry Financial GWP-Guard Stage digital investment platform. By including GWP in our strategy we gain:
Tax-efficient investing: Through advanced asset analysis, we’ll allocate your assets in a tax-efficient manner and evaluate the tax impact of each trade before it goes through.
Consistent monitoring: Your portfolio is monitored daily, keeping it on track as markets move and rebalancing it as needed.
Tax-loss harvesting: If an investment experiences a loss, we may sell it to offset taxable gains in your portfolio. The investments sold are replaced by similar investments to maintain your asset allocation, so you get tax benefits while keeping a properly diversified portfolio.
Low cost relative to other managed account options. This keeps the cost of your overall portfolio in check.
Get a personalized proposal to see if XCountry Financial GWP-Guard Stage is right for you as part of your overall strategy.