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Hornstein Investment Group

Hornstein Investment Group. Offering Complete Wealth Management Services Steve H. Hornstein, Esq., CPA, LL.M., CFP  Evan Press, Candidate for CFP  Certification 20335 Ventura Blvd., Suite 203 Woodland Hills, CA 91364

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Hornstein Investment Group

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  1. Hornstein Investment Group Offering Complete Wealth Management Services Steve H. Hornstein, Esq., CPA, LL.M., CFP Evan Press, Candidate for CFP Certification 20335 Ventura Blvd., Suite 203 Woodland Hills, CA 91364 Office: (818) 887-9401 Toll-free: (888) 280-8100 Fax: (818) 887-7173 Steve@HornsteinInvestmentGroup.comEvan@HornsteinInvestmentGroup.com www.HornsteinInvestmentGroup.com Steve Hornstein is a Registered Representative with and Securities are offered through LPL Financial. Member FINRA/SIPC

  2. Understanding Investment Risk • What is Risk? • How much Risk can you take? • What is Volatility? • When should you be concerned about Volatility? • How much Volatility can you take? • Some Investing Implications.

  3. What is Risk? Risk is not reaching your goal. Risk = Permanent loss of money. Needing money and not having it.

  4. How much Risk can you take? It depends….. • What happens if you do not meet your goal? • When do you need the money? • Your Age. • Emotions – Risk Tolerance. • Investing Experience. • Ability to earn it back.

  5. Does Risk = Volatility? • Many people define Risk as Volatility. • But Risk and Volatility are different.

  6. So then what is Volatility? • Volatility is the fluctuation in the value of your investment – the short-term ups and downs. • It’s importance depends upon your time horizon, that is, how soon do you need the money.

  7. When should you be concerned about Volatility? • Volatility is more of a concern when you have a short-term time horizon. • Volatility is not as large a concern if you have a long-term time horizon. • When you have a long-term time horizon inflation becomes a concern.

  8. How much Volatility can you take? • Again, it depends…… • Time Horizon. • Your Age. • Emotions – Risk Tolerance. • Investing Experience. • Time and/or ability to earn it back.

  9. Some Investing Implications • For a shorter-term time horizon, use more bonds to dampen volatility. • For a longer-term time horizon, use more equity to protect against inflation. • As your time horizon changes, adjust your portfolio. • You want to avoid converting short-term volatility into a permanent loss.

  10. Retirement • In Retirement, you face both Volatility issues and Inflation issues. • You need money now and for the next 20 to 30 years. • So you need to invest in both bonds and stocks.

  11. Hornstein Investment Group Offering Complete Wealth Management Services Steve H. Hornstein, Esq., CPA, LL.M., CFP Evan Press, Candidate for CFP Certification 20335 Ventura Blvd., Suite 203 Woodland Hills, CA 91364 Office: (818) 887-9401 Toll-free: (888) 280-8100 Fax: (818) 887-7173 Steve@HornsteinInvestmentGroup.comEvan@HornsteinInvestmentGroup.com www.HornsteinInvestmentGroup.com Steve Hornstein is a Registered Representative with and Securities are offered through LPL Financial. Member FINRA/SIPC

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