What investment returns do you need to accomplish your goals? If you don't know, you should. But getting the returns you need is a lot harder than you might think.
Dalbar reports that the average equity mutual fund investor under-performed the S & P 500 index by 4.86% per year over the five year period ending in 2017. During the same period, the average fixed income investor actually received a negative return, even though bond market returns were positive for the period.
The results of this famous study reveal that investor's own behavior was the number one reason for under-performance. Unfortunately, this under-performance can mean the difference between enjoying a successful retirement and not being able to retire at all.
But, investing isn't just about getting the returns you need. It's also about reducing unnecessary risk and preserving wealth. After all, no one wants to experience a significant investment loss in a market downturn.
Investment management clients at Covenant Wealth Advisors receive ongoing advice and management to better align your portfolio with your goals.
Our Investment Philosophy & Investment Principles
We believe investment decisions should be guided by sound academic evidence; not speculation or guesswork.
At Covenant Wealth Advisors, our investment advisors implement investment plans based on 50+ years of Nobel Prize-Winning economic research.
Our investment decisions are driven by logic; not luck.
Who Do We Help?
Covenant Wealth Advisors has the experience and specialization to help individuals and families who are age 50 plus and their children. We specialize in serving clients nearing retirement because it allows us to deliver the best possible advisory services for our clients. We also know, that many clients want to pass their legacy to their children. That's why we created three distinct groups.
$500k - $1MM
$1MM - $25MM
$100K and up
How Can Investment Management Help You?
I want to avoid significant losses during a market downturn.
The thought of experiencing a significant investment loss during a market downturn can be worrisome. The S & P 500 (a popular stock market index) fell by 56.4% during the 2008 market crash. For investors nearing retirement, this type of loss can spell disaster. We'll design and manage a portfolio that is personalized for your risk tolerance to help you sleep more soundly.
I want to create portfolio income in retirement.
Are you concerned about creating income from your portfolio in retirement? Creating a sustainable "paycheck" in retirement isn't easy, but we're experts in turning your portfolio into an income machine.
I want to implement the right asset allocation for my retirement goals.
How you invest for retirement is very different than how you invested in your early years. We'll design a personalized investment plan that takes into account your entire financial life and your retirement goals. As a result, your investments will be optimized specifically for your needs now and in retirement.
I want better investment returns.
Based on a recent study from Vanguard, working with an investment advisor may improve your overall returns by 3% or more. We'll help calculate the return you need to achieve to accomplish your goals; then, we'll help design and implement a personalized investment plan to give you the best chance of achieving that return.
I want to reduce the amount of taxes I pay on my portfolio earnings.
With a thoughtful tax strategy, we can create a tax-managed portfolio aimed at reducing your tax bill both now and in the future. We will even analyze your tax filings to find out if your current portfolio is generating unnecessary taxes, a common mistake we notice on portfolios sometimes managed at major Wall Street firms.