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No matter how old you are or how much you earn, time is the most important
factor in building wealth for retirement. These days, people spend up to a
third of their lives in retirement. So, you can imagine how important it
is to plan ahead to make certain that your retirement years are fun and
carefree. Unfortunately, choosing a good plan in which to invest your
retirement money can be a difficult process. Should you put your money in
high-risk/high-return investments? Or is safety and security the way you
want to go?
Define Your Objective
A risk - return pyramid is used by investment professionals to illustrate
the fundamentals of sound investing. In it, the base of the pyramid is
comprised of relatively safe, conservative investments. This solid
financial base leaves the balance of your assets free for pursuing more
aggressive investment growth opportunities. Best of all, any fluctuations
in the value of those more aggressive assets should not destabilize your
overall portfolio.
Different investors have different investment objectives. So, to help you
meet your individual financial goals, select a variable annuity that
offers a wide selection of portfolios for long-term stability
and performance. In addition, choose a variable annuity that offers a
range of subaccounts from guaranteed, fixed interest accounts to very
aggressive growth funds.
Risk - Return
In determining where to invest your money and select the subaccounts to
reach your investment objective you need to make a critical assessment in
what type of investor you are. In broad terms there three type of
investors, which one are you?
Conservative - This type of investor is focused on
stability with accepting only minimal risks to principal. Typically this
portfolio is heavely invested in Short Term Money Market Instruments,
Bonds and some Larger-Cap Funds.
Moderate - This type of investor is willing experience
moderate fluctuations of portfolio values and has a balanced
investment approach. A combination of short term instruments, bonds and
stocks will achieve this investors objective.
Aggressive - This a long term type of investor who is
willing to accept the risk associated with potentially high returns. A
combination of International Equities, Small-Cap, Mid-Cap and
Aggressive Growth Funds dominate this portfolio.
Investment Style
Beginning now and formulating your plans for retirement with a clear
understanding of your objective, assessment of who you are as an investor,
will lead to a comfortable retirement. Knowing who you are as investor will
and constructing a portfolio that meets your needs will allow to reach your
objective with comfort and peace of mind. As always seek out the
experience of seasoned investment professionals to assist in making your
decisions.
Variable Annuities
Offered:
Northern Advantage
Periodic Series
Northern Advantage
Transfer Series
