Financial Intel Monthly

Sequence of Returns: Preparing for Bear Markets

Dec 26, 2018 2:22:36 PM / by The Retirement Group (800) 900-5867 posted in financial freedom, investment, life savings, market, Money, Profit, profit margin, retirement planning, The Retirement Group


Sequence risk, (sequence-of-returns risk) is defined as the risk of receiving lower or negative returns early in a period when withdrawals are made from an individual's underlying investments. These negative returns combined with withdrawals can seriously impact how long a retiree is able to stretch their money. It is important to understand these risks as it can help with important decisions such as when to retire, or if it is a good idea to keep working for a few years into retirement to decrease the chance of money running out before retirement has ended.

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High Expense Ratios Drag on Returns

Dec 26, 2018 1:06:29 PM / by The Retirement Group (800) 900-5867 posted in financial freedom, funds, investment, Money, profit margin, Retired, retirement planning, stock, The Retirement Group


As value investors we believe in finding value in every place possible. Therefore, one of our 8-tenets, we look for funds that have a low expense ratio when compared to your peers. We believe that that a higher expense ratio does not necessarily mean higher performance, and instead reduces the return on investment. While you may assume that higher expense ratio MUST mean you’re paying for better performance, but this is actually not true. In this paper we will look at a few examples that indicate funds with high expense ratios should be avoided for cheaper alternatives, if possible.

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