Only 1 in 3 people are on track to have enough savings to retire at 65. Why?

One reason is poor investment performance. Individual investors typically underperform the market by an average of 4.66% per year.

Doesn't sound like much?

*Based on a $25,000 equity portfolio

After 1 year you could have earned an additional $1,165.

Coffee Cup

That is more than the average American spends at coffee houses.

After 5 years you could have earned an additional $6,394.

Grocery

That is more than the average US family spends on food each year.

After 10 years you could have earned an additional $14,423.

Wedding

That is more than the average US couple spends on a wedding venue.

After 20 years you could have earned an additional $37,166.

House

That is more than the down payment for the average house in the U.S.

After 35 year you could have earned an additional $98,102.

Porsche 911

That is more than the price of a Porsche 911.

Why does this happen?

Some over-correct.

The amount that infrequent traders outperform “day traders” per year. Over 15 years, this costs day traders over $62,000 (based on a starting portfolio of $25,000)

Some ignore necessary changes.

The additional amount that investors lost, on average, during bear markets since 1990 if they did not rebalance their portfolios.

Let's see an example.

Michelle

age

54

Occupation

25 years in Accounting at Major Oil Company

Michelle felt like an expert investor because she held half of her 401k assets in her company stock, one of the industry’s leaders. Only after the share price dropped 50% in 2015, forcing her to delay her retirement, did she realize her error.

Emotional investing is at the heart of these behaviors

Familiarity

I know more about how my industry's stocks will perform the others.

Gamber's Fallacy

Stocks have fallen ten days in a row. They should go up tomorrow to "revert to the mean".

Herd Mentality

If everyone else is buying, then it must be the right thing to do.

Representativeness

All I see is all there is.

Financial Advisors can help!

Like a coach helps an athlete reach peak performance, a qualified financial advisor can help you make better, more confident decisions with your money.

Research shows that families working with professional advisors...

Have a higher net worth

Stay on budget and save more

Feel more ready to meet financial challenges

Make fewer financial decisions based on emotion

Aren't financial advisors expensive though?

Actually, the cost is small relative to the benefits you receive. Investors who use an advisor historically have an average annual return that’s 3.4% higher AFTER the fees they pay.
That difference adds up over time.

= $5,000

= $1,000

After Year

1

$100,000

By comparison, an average family with $100,000 in investments who hires an advisor pays about $1,530 each year.

= $5,000

= $1,000

After Year

10

$160,060

$261,060

By comparison, an average family with $100,000 in investments who hires an advisor pays about $1,530 each year.

= $5,000

= $1,000

After Year

20

$242,035

$441,130

By comparison, an average family with $100,000 in investments who hires an advisor pays about $1,530 each year.

How do you find a qualified advisor? Let Wealthminder help you.

We designed our advisor-matching service to help every American gain access to the investment advice they need to reach their Financial goals. The service costs you nothing and takes only a minute to get started.

Only 1 in 3 people are on track to have enough savings to retire at 65. Why?

One reason is poor investment performance. Individual investors typically underperform the market by an average of 4.66% per year.

Doesn't sound like much?

*Based on a $25,000 equity portfolio

After 1 year you could have earned an additional $1,165.

That is more than the average American spends at coffee houses.

After 5 years you could have earned an additional $6,394.

That is more than the average US family spends on food each year.

After 10 years you could have earned an additional $14,423.

That is more than the average US couple spends on a wedding venue.

After 20 years you could have earned an additional $37,166.

That is more than the down payment for the average house in the U.S.

After 35 year you could have earned an additional $98,102.

That is more than the price of a Porsche 911.

Why does this happen?

Some over-correct.

Some ignore necessary changes.

Let's see an example.

Michelle

Emotional investing is at the heart of these behaviors

Familiarity

Gamber's Fallacy

Herd Mentality

Representativeness

Financial Advisors can help!

Like a coach helps an athlete reach peak performance, a qualified financial advisor can help you make better, more confident decisions with your money.

Research shows that families working with professional advisors...

Have a higher net worth

Stay on budget and save more

Feel more ready to meet financial challenges

Make fewer financial decisions based on emotion

Aren't financial advisors expensive though?

Actually, the cost is small relative to the benefits you receive. Investors who use an advisor historically have an average annual return that’s 3.4% higher AFTER the fees they pay. That difference adds up over time.

After Year

1

By comparison, an average family with $100,000 in investments who hires an advisor pays about $1,530 each year.

After Year

10

By comparison, an average family with $100,000 in investments who hires an advisor pays about $1,530 each year.

After Year

20

By comparison, an average family with $100,000 in investments who hires an advisor pays about $1,530 each year.

How do you find a qualified advisor? Let Wealthminder help you.

We designed our advisor-matching service to help every American gain access to the investment advice they need to reach their Financial goals. The service costs you nothing and takes only a minute to get started.

Actually, the cost is small relative to the benefits you receive. Investors who use an advisor historically have an average annual return that’s 3.4% higher AFTER the fees they pay.
That difference adds up over time.