Advice For Life | Atlanta's Financial Planning Blog

Sometimes You Should Retreat Before Pressing On

Wednesday, February 01, 2017 Bookmark and Share

Before modern military tactics were developed, it was common for the General to move to an elevated position to observe the battle. Typically, soldiers fighting face-to-face with their enemy were so focused on survival that they lacked perspective on whether they were winning or losing until the battle was over. The General’s view, however, prompted adjustments to increase the likelihood of victory.  

Advisor Advice: Stay The Course

Thursday, July 10, 2014 Bookmark and Share

by Michael Stone

The financial markets have been bouncing up and down since the beginning of the year, while business news keeps making investors nervous. Consortium Member and financial adviser Michael L. Stone, who has been “around the investment block” for several years, advises his clients to ride out the rough waves, let the market correct itself and keep confidence in a diversified portfolio of quality investments and a growing economy.

“In this age of instant news and with all the things now affecting the economy, we’re in a period of high fluctuation,” Stone said. “On a day-to-day basis, the markets can move wildly up or down. We’ve been seeing that a lot since the first of the year. It’s a wild roller coaster ride at times. Stone said this fluctuation is now the “new norm” in market conditions and investors have to adjust their thinking to accept it. 


Thursday, June 05, 2014 Bookmark and Share

by Michael Stone

There used to be an old axiom in the investment market that a person should think “60-40” for his investment strategy. That meant putting 60 percent into stocks and 40 percent into bonds. However, that strategy has changed, according to Fred Lanier, vice president and client adviser for J.P. Morgan Asset Management.

“There was also an old rule of thumb that said whatever your age, that’s the percentage you should have in bonds,” Lanier said. “That’s crazy talk. For the traditional portfolio, in the old days, we used to say you need stocks, bonds and international investments. These days, you need all those, plus emerging markets, commodities, market neutral strategies and others.” Or, it might be stated as a paraphrase of an old real estate rule, “What’s important is to diversify, diversify, diversify.” “You have to really diversify your investments,” Lanier said. “What the numbers show is that when you’re diversified, not only your returns go up, but your risk goes down. You get a decent return, but you keep your eye on risk. You can’t afford big losses as you get older.” 

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