Managing Your Retirement Investments


How Is Investing for Retirement Different from Other Investing?

It is not. Any investment program needs to consider the rate of return, your risk tolerance, and your time horizon. Young people investing for retirement have a long-term time horizon. Investing in stock mutual funds makes sense. When you are age 50 and above and closer to retirement, more conservative investments such as bonds and cash may be more appropriate.

The process you go through in investing for retirement is the same as investing for other purposes. What is your goal? What do you have to work with? When will you need the money? Getting clear about your goals always eliminates unwanted or unnecessary alternatives.

When managing your investments, you will need to understand risk, which comes in different forms. You will also need to understand the different challenges and rewards of investing in individual stocks or mutual funds. Given the ups and downs of the market, diversification is an essential part of any investment strategy. And you should know where to go to evaluate the performance of your investments.


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*Non-deposit investment products and services are offered through Sorrento Pacific Financial, LLC ("SPF"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through SPF: are not FDIC or otherwise federally insured, are not a deposit or guarantee of the bank, and may involve investment risk including possible loss of principal. Investment Representatives are registered through SPF. The bank has contracted with SPF to make non-deposit investment products and services available to bank clients.

*Non-deposit investment products and services are offered through Sorrento Pacific Financial, LLC ("SPF"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through SPF: are not FDIC or otherwise federally insured, are not a deposit or guarantee of the bank, and may involve investment risk including possible loss of principal. Investment Representatives are registered through SPF. The bank has contracted with SPF to make non-deposit investment products and services available to bank clients.