Evaluating Your Retirement Portfolio " "
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Money Matters for Cinfed Members

Evaluating Your Retirement Portfolio

Posted on April 06, 2020
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Evaluating Your Retirement Portfolio

By Brian Bushman, Financial Advisor – Saxon Financial Services


In 2019 we saw fabulous stock and bond market returns coming out of the bear market in 2018. Through the first three weeks of March, 2020 has seen a violent pull back in the markets from fears and uncertainty of the Coronavirus. With the run we saw in stocks in 2019, many portfolios may have been out of balance and taking more risk than investors were comfortable with or aware of.

As the stock and bond markets move up and down, regularly rebalancing your investments can reduce the volatility in your portfolio. As an example, if your retirement plan calls for an investment portfolio that contains 60% in stocks and 40% in fixed income, you may have had 70% in stock and 30% in fixed income after 2019. Rebalancing back to a 60/40 mix could have taken unnecessary risk off the table. Also, having the courage and where with all to rebalance back into investments that have lost significant value can also make a very meaningful impact over time.

Another thing to evaluate as you get closer to retirement is your risk tolerance. As we see these big swings in the stock and bond markets, having the proper risk tolerance for your situation is very important. This is key to helping you maintain confidence in accomplishing your goals.

Our financial advisors with Saxon Financial can help you evaluate your current situation, define your retirement goals, design strategies to help you reach these goals, and manage these strategies as conditions and needs change. Contact them today to schedule your No Cost meeting to discuss any of your financial concerns.


Investments are not NCUA insured, not credit union guaranteed, and may lose value. Registered Representative Securities offered through Cambridge Investment Research, Inc. A Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge, Saxon Financial Services, and Cinfed Credit Union are not affiliated.





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