When using the POM Planning platform, we are using one that, first and foremost, manages risk.
Why? Because the “buy and hold” strategies that worked in the past have proven inadequate to 21st Century challenges:
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From 2000-02 the S&P declined 47%; the NASDAQ declined 78%.
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From 2007-09 the S&P declined 56%.*
The Fallout: A Lost Decade and More….
For many “buy and hold” investors it took almost 13 years, from March 2000-January 2013, just to recover what they had lost in these downturns. Many investors who went through this time period had their retirement plans negatively affected in a dramatic manner. Many in retirement during this time frame had their current lifestyles negatively affected in a dramatic manner.
Since bottoming out in March 2009, the S&P and the stock market, in general, have gone on a bull market run. No one can predict when that will end or when the next big downturn will occur, but investors can make a choice about how they want their money managed.
The options are fairly simple: 1) “Buy and hold” strategies that most certainly will decline significantly in the next stock market crash or 2) “active money management” where managers are managing risk first in their strategies.
If you are of the mindset that you would like your investments to be actively managed in an effort to reduce risk, click here to learn more about our multi-manager approach to managing risk in the stock market.
Wonder how risky your current investments are?
Most people have no idea of the true risk of their investments in the stock market. If you would like to score your top investment holdings using an online app, please click here.
Find Your Own Investment Risk Tolerance
Most people don’t understand their own true tolerance for taking risk in the stock market. As part of our process, we take clients through an investment risk tolerance questionnaire. It takes less than five minutes to get through and at the end you are provided with a risk score on a scale of 1-100. To find your personal risk tolerance, click here to go through our risk questionnaire.
Complimentary Portfolio Risk Analysis
While we recommend people use out Quick Score App to score the risk of individual holdings, what’s better is to have your entire portfolio scored. Once you have your personal risk score in hand and once you know the risk score of your overall portfolio, then you are in a position to determine if what you are invested in is “suitable” for you or whether you need to take steps to lessen your risk.
To find out how much risk is in your current investment portfolio, please email info@pomplanning.info or give us a call at (888) 892-9882.
*Numbers from Yahoo Finance.
Interested in discussing what YOUR comprehensive plan might look like?
If you would like to discuss your individual situation and get a sense of what an overall comprehensive plan might look like, simply email info@pomplanning.info or give us a call at (888) 892-9882. We’d be happy to schedule a time for a call, Zoom-type, or in-person meeting.
FOUNDATION
Prepare wills and trustEvaluate insurance needs
Review cash flow budge
SHORT TERM
Emergency fundLiquid investments
Start building portfolio
MID TERM
Wealth accumulationPay college expenses
Start a business
LONG TERM
RetirementSell a business
Leave an estate
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Your Questions
To learn more about our management philosophy and whether it may fit in with what you are trying to accomplish with your investible dollars.
Let's Answer
Your Questions
To learn more about our management philosophy and whether it may fit in with what you are trying to accomplish with your investible dollars.
Reach Your Goals Now
Ready to learn more about POM Planning and why we may be a good fit to accomplish your financial and/or retirement planning goals?
Give us a call
269-449-4802
Email us
info@pomplaning.info
Michigan
We handle the US
Serving the USA