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“Long-Horizon Investing, Part 4: Real-Life Applications in Retirement” on Advisor Perspectives

“How does all this apply to me?”

Parts 1-3 of my article series on Advisor Perspectives (VettaFi) explored the theory and historical data on the nature of investment risk and return over long horizons. In Part 4, we get practical, demonstrating how discoveries from previous articles can be applied to a goals-based investment approach in retirement, creating security where security is needed and enabling higher expected return where (and only where) flexible expense planning is okay.

Finally, special thanks to Joe Tomlinson and Michael Finke for their helpful comments on this article series. The final product is much better for their input.

DISCLOSURES: All content is provided solely for informational purposes and should not be considered an offer, or a solicitation of an offer, to buy or sell any particular security, product, or service. Round Table Investment Strategies (Round Table) does not offer specific investment recommendations in this presentation. This article should not be considered a comprehensive review or analysis of the topics discussed in the article. Investing involves risks, including possible loss of principal. Despite efforts to be accurate and current, this article may contain out-of-date information; Round Table will not be under an obligation to advise of any subsequent changes related to the topics discussed in this article. Round Table is not an attorney or accountant and does not provide legal, tax or accounting advice. This article is impersonal and does not take into account individual circumstances. An individual should not make personal financial or investment decisions based solely upon this article. This article is not a substitute for or the same as a consultation with an investment adviser in a one-on-one context whereby all the facts of the individual’s situation can be considered in their entirety and the investment adviser can provide individualized investment advice or a customized financial plan.

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