NEEDS-BASED PLANNING MODEL
Source: AthenaInvest Advisors LLC
In the needs-based allocation approach, the goal is to optimize available resources. For example, you can use insurance solutions to mitigate catastrophic risk, set aside cash for liquidity and then allocate remaining capital to investments designed for income and long-term growth. The resulting answer is rarely 60% equities and 40% bonds. The needs-based approach helps to ensure specific short-terms needs are being met while allowing long-term investments to grow over time. Each year, or as events arise, the allocation can be adjusted for changing circumstances. This all leads to higher levels of confidence, control and comfort which reduces anxiety and allows investors and advisors to stay on track during challenging times.
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IMPORTANT INFORMATION AND DISCLOSURES
The information provided here is for general informational purposes only and should not be considered an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. It should not be assumed that recommendations of AthenaInvest made herein or in the future will be profitable or will equal the past performance records of any AthenaInvest investment strategy or product. There can be no assurance that future recommendations will achieve comparable results. The author’s opinions may change, without notice, in reaction to shifting economic, market, business, and other conditions. AthenaInvest disclaims any responsibility to update such views. These views may not be relied upon as investment advice or as an indication of trading intent on behalf of any AthenaInvest representative.
You are solely responsible for determining whether any investment, investment strategy, security, or related transaction is appropriate for you based on your personal investment objectives and financial circumstances. You should consult with a qualified financial adviser, legal or tax professional regarding your specific situation. Investments involve risk and unless otherwise stated, are not guaranteed. Past performance is not indicative of future performance.