Tailoring Retirement Portfolios to Risk Profiles

​Based in Florida, International Assets Advisory is a respected money management and brokerage firm with a presence spanning diverse global markets. Among the areas in which the International Assets Advisory team has extensive knowledge is in savings and asset allocation strategies for retirement.

With portfolios typically constructed from a combination of stocks, fixed-income bonds, and cash-based assets, invested equities often offer the best long-term prospects for growth. The key element in that statement is “long term,” as short term market variability can lead to significant swings in value, within even the most diversified equity portfolios.

The portion of the portfolio invested in stocks should be such that even a 50 decline in value could be weathered through the more predictable, if limited, returns offered by bonds.

When deciding on allocation strategies, risk tolerance should be carefully weighed to seek out age- and income-based pathways that best suit the individual situation. If the pension income or Social Security benefit on the horizon is relatively large, an elevated level of risk and potentially greater returns should be considered. If day to day cash flow needs are likely to be a significant concern heading into retirement, the portfolio should be constructed to provide limited market exposure.

International Assets Advisory

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