Broker Check

Retirement Planning

Your Goals & Investment Should Always Match!


Your Objectives


Investment objectives fit into three broad categories: safety, growth, and income.

Safety refers to how secure your principal is. If there is little or no risk that you will lose part of principal then that investment is considered to have a high degree of safety.

Over time, the value of some investments increases. Their "price" goes up, and you can sell them for more than you paid. This appreciation is referred to as growth.

Finally, some investments offer current income. You receive regular payments over an extended period of time.


Your Goals


Chances are your investment goals fall into one or two of these categories.

If, for example, you're retired and depending on the income from your investment portfolio to supplement your Social Security benefit, your primary investment goal is income. With safety, likely following a close second.

On the other hand, if your're still building an estate, you're probably most interested in growth. You may even be willing to speculate a bit to achieve that goal.


Keys to Success


One of the keys to successful investing-particularlly during retirement - is making sure the investments in your portfolio match your investment objectives.

For some investors, that's not as easy as it sounds. Many have assembled their portfolios piecemeal, without any overall strategy. The resulting collage of individual stocks and bonds probably doesn't meet their needs as well as it should. Their portfolios could easily be loaded with growth instruments when they really need income.

Others have simply placed all their investment capital into the most convenient and secure financial instrument they could find. As often as not, that turns out to be certificates of deposit. When the certificates mature, they simply reinvest their principal and the resulting income in more certificates of deposit.

These investors are really interested in long-term growth, but their portfolios are set up to generate income. They'd have much better results if they shifted at least part of their holdings into growth oriented investments. Then their portfolios would match their investment goals.

Take a good look at your investment portfolio. Are you using income-oriented investments to generate growth? Are you maintaining enough growth to outpace inflation?


If you find that your portfolio isn't set up to reach your investment goals, it's time to come in and work out a strategy for the future.


Depending on your individual circumstances, there are any number of different options available to help you leverage the assets you have to enable the retirement you desire and to help ensure that you do not outlive your money.

At Platinum Tax & Wealth Management we are here to help you realize your ideal retirement, helping you and your family enjoy those golden years. By providing you with valuable information, you enable your retirement "nest egg" to work harder and smarter, limiting exposure to risk.