What does it mean to have a balanced portfolio?

  • By William Bryant
  • 03 Apr, 2017

Diversified Retirement Portfolio

Nest Egg

Balanced portfolio is yet another term used in the financial consulting business to provide a sense of comfort to all who have an investment portfolio, or what is commonly described as a retirement nest egg.

Retirement Portfolio Terminology

Some investment advisors or brokers communicate with terms like aggressive, moderate, or conservative risk investments . An example of those investment products might include stocks, bonds, electronically traded funds, or mutual funds. To many of those advisors, a “balanced portfolio” means you have some of each level of risk in your portfolio, and that will “balance” your overall risk. This would minimize your chance of losing any portion of your nest egg.

All Eggs in One Basket?

Still other advisors will consider having many different stocks (blue chip, utilities, foreign, energy, S&P, NASDAQ, etc) as their definition of balanced. They are using the “don’t put your eggs in one basket” theory. The major concern for both of these strategies is what we call the Titanic effect. When that ship sank, everyone from the first class cabin down to steerage suffered. Whenever you have a market crash (remember 2003 and 2008!) you can take a devastating blow to your nest egg because all of the aforementioned investment vehicles are tied somewhat to what happens in the stock market.

Diversified Retirement Portfolio

S2S Silver Services promotes a different definition of balanced portfolio. Indeed, we prefer to use the term diversified portfolio. Your portfolio should contain a mixture of different types of investment products. Most important is that you also choose investment products that are not dependent on the results of the stock market. The mix would of course include some stock market products but it should also include products like annuities, precious metals or gems, real estate, and yes, even some CDs. We believe that this is the true definition of “balanced” and with this approach, when the Titanic starts to sink, you may be one of the lucky ones who has several lifeboats to keep your retirement nest egg afloat.

Working with S2S Silver Services will greatly simplify your life. Let us help you navigate the complex and confusing labyrinth of Medicare, Medicare supplements , and many other aspects of retirement planning. Take advantage of the best healthcare, annuity, and investment opportunities available. We will help you make sound financial decisions.

By Jen Steever 06 Sep, 2017
Last month, we addressed a question about the best Medicare Insurance options. We discussed what options folks who are employed by the military, state and local government, or private employers, should explore and plan for.

We will now tackle the options available to the majority of us who retire and go on Medicare. Unlike the folks we discussed last month, when you retire and no longer have commercial health insurance options, it is highly recommended that you get both Part A and Part B of Medicare. Part A has no continuing cost associated with it as it is paid for over the course of our entire working career through payroll deductions. Part B currently costs approximately $105 and is deducted from your Social Security or disability benefits every month.
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That is very difficult to answer in the limited space of this blog, so we may continue it in others so that we get these answers just right by answering very carefully. First, not knowing your personal situation, we will explain the different options available for various individuals.
By Jen Steever 15 Aug, 2017

No one likes to think that their health could fail at any point, or that it will likely decline as you age. But it is important to keep these thoughts in mind, especially since the average 65-year-old American has a 70% chance of needing long-term care services in their lifetime.

When you take into consideration that the average medical expenses of a 65-year-old couple can total around $218,000 over 20 years, it's clear why so many people choose to invest in long-term care insurance. For the same reasons, Medicare supplement plans could be a huge money saver in the post-retirement years to come.

If you are wondering whether long-term care insurance is the right financial decision for you, then keep reading to learn more.


By Jen Steever 27 Jul, 2017
The number of senior citizens is expected to grow from the current 40 million to 90 million in 2050. This will lead to an increased demand for healthcare services, housing, and -- more than likely -- financial planning services . To make matters even more complicated, a 2015 Gallup poll found that 37% of Americans won't retire until after the age of 65. Whether it's due to personal preference or because they simply cannot afford to retire until much later in life, seniors need to understand that the decision to keep working will impact their financial planning options. That's why it's so important for you to explore the types of financial services available to you now to help you prepare for this type of situation. But if you haven't yet seen a financial planner, you should be aware of how your delayed retirement can affect your financial options.
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from J. Elvin Dashiell and the Senior Information Corner
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By Jen Steever 14 Jun, 2017
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By William Bryant 05 May, 2017

Recently, I received a question from an anxious potential customer who was about to turn 65. Her greatest concern was the confusion about all of the decisions that she needed to make with respect to Medicare. She asked me to simplify that process for her. From Medicare Advantage plans, Medicare Part D prescription drug plans , to Medicare Supplement plans (Medigap plans), Medicare IS confusing! As a matter of fact, the primary statement that I hear from people who are going on Medicare is, “I have never experienced anything as confusing as Medicare.” I am communicating this in a blog in an attempt to reassure seniors that they are not alone in their frustration. Let me try to explain why the information might be confusing.

First, you have several printed materials from the government. The way the material is written, the information often seems to contradict what you read in other publications. Secondly, you may have well-meaning family or friends who provide their own understanding about how Medicare works. Lastly, you receive stacks of mail and materials from many different insurance companies all stating that their plans are better, cheaper, or both.

By William Bryant 21 Apr, 2017

No matter your age, health insurance plans can be confusing. But if you're a senior over the age of 65, it becomes increasingly important for you to make the right choices with your healthcare. By the year  2030, Medicare enrollment  is expected to rise to 79 million people across the nation. With so many participants, there are bound to be folks who make the wrong decision as to which Medicare policies and Medicare supplement plans they choose.

For many seniors, one of the most pivotal parts of their medical care may be their prescription drug plan. Most seniors will have to determine whether Medicare Advantage (known as Medicare Part C) or the Medicare Prescription Drug Plan (known as Medicare Part D) is the best fit for their needs. If you want to determine whether Medicare Part D is the right choice for you, you'll want to ask your provider the following three questions.

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