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Introduction
Who am I and Why am I here?
Video
Why Are We Not Investing?
1. No money to spare in my budget – I can’t afford it
2. Retirement is so far away. I promise I will invest one
day
3. I’m afraid of losing money in the stock market (I don’t
understand it)
Let’s talk about these things…Let’s Imagine Retirement
You, What Would You Be Screaming At Current YOU?
Question I Asked My Wife – If You
Were In This Seminar, What Would
You Want To Gain From It?
• I Realize I look 35, but I’m 45, is there hope for
me?
• Where do I even begin?
• Tell me what will work and what should I do
starting today?
It Doesn’t Have To Be Hard – I Like
Simple
Step 1 – Answer These Questions
1. Where Am I Now?
• What Is My Current Cost Of Living?
• How Much Longer Can I Or Do I Want To Work?
• What Is My Current Financial Situation?
• What Retirement Savings Options Are Available To Me?
• What Is My Current Annual Retirement Savings?
• What Is My Risk Tolerance?
2. Where Do I Want To Go?
• What Will My Cost Of Living Be In Retirement?
• What Will I Assume For Inflation?
• How Much Risk Do I Need To Take To Reach My Goals?
• What Retirement Income Do I Have That I Can Count On?
• Social Security
OOHHH These Question Are Harder To Answer???!!!! – Don’t Panic Use An
Online Calculator - Easy
Step 2 – Now We Have An Idea Of What
We Need To Do
1. Where Do I Invest?
• Employer Sponsored Plan (401k $18,000 or $24,000)
• Got To Get The Match
• IRAs $5500 or $6500
• Advisor
• On My Own
• Betterment/Wealthfront
Step 3 – How Do I Choose Mutual
Funds?
1. Let’s Look At Some Different Asset Classes
• Stocks or Equities
• Large Cap Growth / Large Cap Value
• Mid Cap Growth / Mid Cap Value
• Small Cap Growth / Small Cap Value
• Bonds
• Cash Equivalent
• Money Market
First What Is Dow Jones and What is S&P 500? (S&P = 80% of US market)
Growth of $10,000
3 years 5 years 10 years
$15,647 $20,569 $24,947
What Is A Mutual Fund? What Is A Growth Fund? Am I Diviersified? How Does It
Work? I’m An Owner?
Stock/Equities=Owning
Growth of $10,000
3 years 5 years 10 years
$15,982 $19,225 $20,004
Stock/Equities=Owning
Stock/Equities=Owning
Growth of $10,000
3 years 5 years 10 years
$13,902 $16,768 $18,380
Bonds=
Loaning
Growth of $10,000
3 years 5 years 10 years
$10,478 $11,742 $15,574
AssetAllocation
Fund
Growth of $10,000
3 years 5 years 10 years
$12,371 $14,752 $19,192
HOW!!!???? If I don’t have a
401k/403b
• Advisor
• Who? What kind?
• Expense
• Is it worth it?
• Accountability Calming
• Betterment or Wealthfront – Show Betterment Account
• Cheap
• Effective
• No Accountability/No one to talk you off the ledge
• Do it yourself
• DALBAR – 20 year results 9.85% S&P 5.19% Investor = 4.66% difference!!
• Herding effect
• Loss Aversion
Bottom Line For Investing
• You’ve got to know what it costs you to live
• Use a calculator to help you determine what you might need in
the future
• Save As Much As you can for as long as you can
• Understand Your Risk Tolerance And Rebalance To Maintain –
If You Jump In and Out, You Will Get Hurt – Guaranteed
• Paul Merriman at Paulmerriman.com
What’s It All About
• Retirement Isn’t Just About Financial Wealth
• The Holistic Approach
• Spiritual Health
• Wellness
• Purpose
• Giving Back – The Best Investment You Can Ever Make
1 investing and retirement updated

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1 investing and retirement updated

  • 1.
  • 2. Introduction Who am I and Why am I here? Video
  • 3.
  • 4. Why Are We Not Investing? 1. No money to spare in my budget – I can’t afford it 2. Retirement is so far away. I promise I will invest one day 3. I’m afraid of losing money in the stock market (I don’t understand it) Let’s talk about these things…Let’s Imagine Retirement You, What Would You Be Screaming At Current YOU?
  • 5. Question I Asked My Wife – If You Were In This Seminar, What Would You Want To Gain From It? • I Realize I look 35, but I’m 45, is there hope for me? • Where do I even begin? • Tell me what will work and what should I do starting today? It Doesn’t Have To Be Hard – I Like Simple
  • 6. Step 1 – Answer These Questions 1. Where Am I Now? • What Is My Current Cost Of Living? • How Much Longer Can I Or Do I Want To Work? • What Is My Current Financial Situation? • What Retirement Savings Options Are Available To Me? • What Is My Current Annual Retirement Savings? • What Is My Risk Tolerance? 2. Where Do I Want To Go? • What Will My Cost Of Living Be In Retirement? • What Will I Assume For Inflation? • How Much Risk Do I Need To Take To Reach My Goals? • What Retirement Income Do I Have That I Can Count On? • Social Security OOHHH These Question Are Harder To Answer???!!!! – Don’t Panic Use An Online Calculator - Easy
  • 7. Step 2 – Now We Have An Idea Of What We Need To Do 1. Where Do I Invest? • Employer Sponsored Plan (401k $18,000 or $24,000) • Got To Get The Match • IRAs $5500 or $6500 • Advisor • On My Own • Betterment/Wealthfront
  • 8. Step 3 – How Do I Choose Mutual Funds? 1. Let’s Look At Some Different Asset Classes • Stocks or Equities • Large Cap Growth / Large Cap Value • Mid Cap Growth / Mid Cap Value • Small Cap Growth / Small Cap Value • Bonds • Cash Equivalent • Money Market First What Is Dow Jones and What is S&P 500? (S&P = 80% of US market)
  • 9. Growth of $10,000 3 years 5 years 10 years $15,647 $20,569 $24,947 What Is A Mutual Fund? What Is A Growth Fund? Am I Diviersified? How Does It Work? I’m An Owner? Stock/Equities=Owning
  • 10. Growth of $10,000 3 years 5 years 10 years $15,982 $19,225 $20,004 Stock/Equities=Owning
  • 11. Stock/Equities=Owning Growth of $10,000 3 years 5 years 10 years $13,902 $16,768 $18,380
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  • 13. Bonds= Loaning Growth of $10,000 3 years 5 years 10 years $10,478 $11,742 $15,574
  • 14. AssetAllocation Fund Growth of $10,000 3 years 5 years 10 years $12,371 $14,752 $19,192
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  • 22. HOW!!!???? If I don’t have a 401k/403b • Advisor • Who? What kind? • Expense • Is it worth it? • Accountability Calming • Betterment or Wealthfront – Show Betterment Account • Cheap • Effective • No Accountability/No one to talk you off the ledge • Do it yourself • DALBAR – 20 year results 9.85% S&P 5.19% Investor = 4.66% difference!! • Herding effect • Loss Aversion
  • 23. Bottom Line For Investing • You’ve got to know what it costs you to live • Use a calculator to help you determine what you might need in the future • Save As Much As you can for as long as you can • Understand Your Risk Tolerance And Rebalance To Maintain – If You Jump In and Out, You Will Get Hurt – Guaranteed • Paul Merriman at Paulmerriman.com
  • 24. What’s It All About • Retirement Isn’t Just About Financial Wealth • The Holistic Approach • Spiritual Health • Wellness • Purpose • Giving Back – The Best Investment You Can Ever Make

Editor's Notes

  1. First Job Story – Time with Marty and Retirement Committee – Dave Ramsey Counselor – Friends Bankrupt today 350,000,000 dollar company – All out of following passion – I don’t’ know why God made me like this, I just do
  2. I didn’t know it back then, but paying this much attention to my retirement was a terrible idea!
  3. 1 - If you can't afford it now, electric bills and phone bills and taxes won't go away. How do you think You'll afford it when you don't have a job. 2 - Fear - Two kinds Fear that is helpful - Don't play in the road. Fear that keeps us from the best things in life - Fear of the unknown. Riding a bicycle. Your very very best friend is time!!! The very best time to plant a tree was 20 years ago, the 2nd best time is NOW!!
  4. Explain Mainstay, Large Cap, Growth
  5. Value is Like having a Rental House on Land
  6. Fiduciary or Suitability Standard
  7. In your first Imagination Exercise, when you were retired did you imagine yourself smiling, happy, healthy? Those must be planned for as well.