Transcript of Risk Management presentation Managing Risk. The use of asset allocation does not guarantee returns...
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- Risk Management presentation Managing Risk
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- The use of asset allocation does not guarantee returns or
insulate you from potential losses. Dollar cost averaging does not
assure a profit and does not guarantee against loss in a declining
market. This type of strategy involves continuous investment in the
security regardless of fluctuating price levels of such securities.
Investors should consider their financial ability to continue
purchases through periods of low price levels. Investing involves
market risk, including possible loss of principal and possible
fluctuations in value. The Nationwide Group Retirement Series
includes unregistered group fixed and variable annuities and trust
programs. The unregistered group fixed and variable annuities are
issued by Nationwide Life Insurance Company. Trust programs and
trust services are offered by Nationwide Trust Company, FSB, a
division of Nationwide Bank. Nationwide Investment Services
Corporation, member FINRA. In MI only: Nationwide Investment Svcs.
Corporation. Nationwide Mutual Insurance Company and Affiliated
Companies, Home Office: Columbus, OH 43215-2220. The Nationwide
framemark, Nationwide Financial and On Your Side Interactive
Retirement Planner are service marks of Nationwide Mutual Insurance
Company. 2013 Nationwide Financial Services, Inc. All rights
reserved. PNM-2472AO.1 (06/13)
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- Risk Management Agenda Budgeting Asset allocation Rebalance
your account Dollar cost averaging Investment goals Risk
Management
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- 4 What is asset allocation? Spreading your investments across
various asset classes Helps keep your account safe from poor
performance Also known as diversification Asset allocation
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- Risk Management 5 Risk Versus Reward Asset allocation
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- Risk Management 6 Asset allocation Put it into practice
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- Risk Management 7 Asset allocation Moderately Conservative
ConservativeModerateModerately Aggressive Find your investor
profile Aggressive
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- Risk Management 8 Rebalance your account Rebalance regularly
Source: Boost Your 401(k) Returns with Rebalancing, 401(k)
Helpcenter, 02/13.
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- Risk Management 9 Why rebalancing may be a good idea Source:
http://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/2011/03/15/why-rebalancing-your-portfolio-is-important,
accessed 02/07/2013 Rebalance your account
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- Risk Management 10 Automatically rebalance to your original
allocations Rebalance your account
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- 11 Risk Management Dollar Cost Averaging Regular contributions
to your retirement plan Systematic and consistent Dollar cost
averaging
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- Risk Management 12 Dollar cost averaging Invest $1,000 per
month for a year or one lump sum of $12,000.
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- Risk Management 13 On Your Side Interactive Retirement Planner
SM Investment goals
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- Risk Management 14 Managed Accounts Hire a professional to
actively manage your account No minimum account balance is
necessary You can cancel any time Investment goals
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- Risk Management 15 Points to remember Understand what type of
investor you are Properly diversify your account to help reach your
individual goals Rebalance regularly to maintain proper asset
allocation Dollar Cost Averaging happens automatically with your
retirement plan account Set a goal and track it with On Your Side
Interactive Retirement Planner Work with a managed account provider
if you want additional support Summary
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- 16 Types of Risk