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BehaviorGap: The Wealth Management Paradox

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  • Dear Guest4b2b76-

    The portion of this presentation that used data from the David Loeper's article was used with permission from the folks at Financeware. It was also credited the way they requested.

    If you have additional questions please do not hesitation to contact me directly.

    Carl Richards
    thinkingcarl@gmail.com
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  • Thanks for posting this presentation. Slides are great and message is important. You did an awesome job with both.
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BehaviorGap: The Wealth Management Paradox

  1. 1. bg
  2. 2. THE WEALTH MANAGEMENT PARADOX
  3. 3. MYTH: RISK GOES DOWN WITH TIME
  4. 4. RANGE OF OUTCOMES (NARROWS OVER TIME) % 1 10 15 20 YEARS
  5. 5. RANGE OF OUTCOMES (WIDENS OVER TIME) $ 1 10 15 20 YEARS
  6. 6. WHICH ONE CAN YOU EAT?
  7. 7. INVESTMENT VS. INVESTOR (IS THERE A DIFFERENCE?)
  8. 8. INVESTMENT SEARCH RESULTS INVESTMENT A B C AVERAGE RETURN 8.5 8.0 7.5 GROWTH OF $117.30 $116.65 $115.50 $100
  9. 9. INVESTMENT A B C STARTING VALUE $1,000 $1,000 $1,000 RETURN % 15% 8% 5.0% RETURN $ $150 $80 $50 YEAR 2 CONTRIBUTION $1,000 $1,000 $1,000 STARTING VALUE $2,150 $2,080 $2,050 RETURN % 2% 8% 10% RETURN $ $43 $166 $205 ENDING VALUE $2,193 $2,242 $2,255 AVERAGE RETURN 8.5% 8.0% 7.5%
  10. 10. WEALTH MANAGEMENT (FINANCIAL PLANNING)
  11. 11. 8.5%
  12. 12. MODELING REALITY
  13. 13. PERSONAL PENSION
  14. 14. RISK ENDING VALUE WITHDRAWALS CONTRIBUTIONS RETIREMENT DATE
  15. 15. 60 MPH
  16. 16. CASE STUDY 1926
  17. 17. COPY OF FUTURE WALL STREET JOURNAL STOCK RETURN RISK GROWTH ALLOCATION CHOICE % % % $100 #1 - RISK TOLERANCE 38% 8.29 9.55 58,505 #2 - AGE BASED 41% 8.42 14.43 64,172 #3 - STOCKS 100% 10.36 20.20 265,707 #4 - SUPERIOR SELECTION 38% 9.80 9.55 176,612 #5 - WEALTH MANAGER 38% 8.58 14.39 72,460
  18. 18. RESULTS ALLOCATION CHOICE INVESTMENT INVESTOR GROWTH RETURN RISK $100 #1 - RISK TOLERANCE 8.29 9.55 58,505 BROKE @ 51 #2 - AGE BASED 8.42 14.43 64,172 BROKE @ 50 #3 - STOCKS 10.36 20.20 265,707 BROKE @ 55 #4 - SUPERIOR SELECTION 9.80 9.55 176,612 $1,072,678 #5 - WEALTH MANAGER 8.58 14.39 72,460 $4,878,522
  19. 19. ?
  20. 20. THE WAY FORWARD
  21. 21. “DEMOCRACY IS THE WORST FORM OF GOVERNMENT EVER CREATED BY THE MIND OF MAN... EXCEPT FOR ALL THE OTHERS” ---CHURCHILL
  22. 22. FOLLOW MY RESEARCH AT: WWW.BEHAVIORGAP.COM A SPECIAL THANKS TO FINACEWARE AND DIMENSIONAL FUND ADVISORS FOR RESEARCH AND INSPIRATION

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