Stop Guessing Your Risk: 4 Smart Ways to Protect Your Retirement Money

When you invest, you are in the risk game. The question is not whether you have risk, it is whether you are managing it on purpose.

In this episode of the Retirement Planners of America Podcast, Ken Moraif breaks down four practical ways to manage investment risk, especially if you are within five years of retirement or the first five years of retirement.

We Talk About:

Diversification: building an optimized portfolio where different investments can behave differently

Asset allocation: why your stock and bond mix matters more than most people realize

Dollar cost averaging: how consistent investing can reduce timing risk

A sell strategy: why buy and hold alone can be incomplete for retirees, and how downside risk management can help

If you are retired or retiring soon and want help building a plan that supports your lifestyle, visit rpoa.com.

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0:00 Intro
0:45 You are in the risk game
1:35 1 Diversification
2:55 2 Asset allocation (the 40 percent idea)
5:00 3 Dollar cost averaging
7:10 4 Have a sell strategy (avoid big bear markets)
9:55 Recap and closing thoughts

RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.
This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.
Statements regarding the ‘Invest and Protect’ strategy (formerly 'Buy, Hold, and Sell') or recommendations made prior to 2011 refer to strategies collectively employed and recommendations collectively made by RPOA’s principals while employed at Eagle Strategies, LLC. RPOA was created in 2011 and uses the same exit strategy. Like all investment strategies, the Strategy is not guaranteed. It is possible that the sell signal can incorrectly predict a bear market, and affected investors would not participate in gains they could have realized by remaining invested. Implementing the Strategy may also result in tax consequences and transaction costs
Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Please make sure you fully understand the risks involved before trading cryptocurrencies.
Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.