Saving for Retirement:

Proper advice is based first and foremost, on a continual reaffirmation of a disciplined process.

Investment success for the long-term does not occur due to the luck of market timing, rather, it is achieved through the application of a disciplined process.  Our advisory support is not about guessing what we think the markets will do; it is about applying a disciplined process based on sound financial principles, and then letting the natural market events unfold within that process.

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The MILESTONE Investments, Inc.

Four Step Investment Process (Click here for details)

1. Identify Your Time Horizon
   
   
2. Develop a Diversified Portfolio relative to your time horizon
   
   
3. Maintain Contributions in both good and bad market cycles
   
   
4. Periodically Rebalance Your Portfolio

  
Past performance does not guarantee future results.

Saving for Retirement: additional details

The MILESTONE Investments, Inc.

Four Step Investment Process

1. Identify Your Time Horizon
   Identifying one’s time horizon is the first and absolutely critical step of the investment process. It is simply done by calculating how many years one has until retirement.  This will assist in determining the length of time the investor has during the accumulation phase, and thus how much risk exposure is suitable.  The principle of time horizon is driven by the mathematical consequence that a certain percentage decline in value must achieve a greater percentage increase just to get back to even. Although this mathematical law is rarely recognized, it should never be underestimated or forgotten.

2. Develop a Diversified Portfolio
   The establishment of a properly diversified allocation strategy is the most difficult step for the vast majority of investors, and is where an Advisor’s support is most needed.  Once a time horizon has been established, and the investor determines appropriate risk exposure, we offer allocation suggestions through our investment modeling process so as to assist the investor in establishing an appropriately diversified strategy. We utilize a sophisticated and highly recognized software program through Morningstar to analyze, develop and monitor the allocation strategies represented by our models.
   
   
3. Maintain Contributions
   Maintaining contributions in both up and down markets is essential in defeating the negative affects of volatility and accomplishing long-term investment success.  While negative market results are frustrating, they present tremendous opportunities for investors to acquire a significant volume of shares. Over time, as markets recover, higher share values along with the increased number of shares can cause exponential growth in an investment account.
   
   
4. Rebalance Your Portfolio
   Rebalancing your investments on a regular basis is critical to maintaining your initial investment strategy and risk exposure.  Most experts agree that optimal rebalancing would happen quarterly, but no less frequently than annually.  Many investment platforms allow for a systematic rebalancing strategy to be implemented.