Our general beliefs about investing…
Investing isn't easy. If it were, help would not be needed. But be careful, the financial services industry is full of overpriced products and ideas. On top of that, some products are not very transparent and could hold hidden risks that may be unsuitable for you. Bullock Capital Alliance seeks to help clients with their portfolios by recommending prudent investments and adding more value to the process than the fees charged.
We believe that every investor has different needs and levels of risk tolerance. This means that there is no one perfect investment product or strategy for every client. It is our job to find the right mix for each client and to let clients know when they are overly dependent on the growth of their investments for financial independence. Sometimes the best advice we can give is to tell a client that he or she needs to save more or spend less.
Investing can be very risky and volatile. The only way to deal with these risks is through multiple levels of diversification. At times, it is not enough to simply diversify and maintain a static mix of U.S. and International Stocks, REITs, Bonds and Cash. The right allocation between these investments should probably make up the core of most portfolios, but this core may need an overlay of alternative strategies to help protect gains. In addition, other investments that have little dependence on the performance of the stock market should be considered.
Retirees should maintain a 4 to 5 year cash or cash equivalent set aside to pay for living expenses so they are not forced to sell stocks during recessions and bear markets.