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What Is Your Risk Tolerance?

5/9/2017

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Here are two questions I ask every person or couple on an initial interview:
  1. "What is the purpose of your money?  What do you want it to do for you?"
  2. "What is your risk tolerance, i.e. are you OK with your money being "at risk" in the stock market?"
For most people, the "purpose of their money" is to finance their retirement, i.e. they're wanting a monthly "paycheck' for the rest of their lives.  And, for most people, they are NOT OK with their money being "at risk" - in fact, they want just the opposite!

The slide below sums up the "risk tolerance" scale - products where your money IS at risk versus products where your money IS NOT at risk.  

​All you have to do is decide where you are on that scale.  

Picture
If you're OK with risk and not worried about losing money in the market during your retirement, then a financial product that eliminates that risk is not what you want. 

But, if the purpose of your money is to finance your retirement, and you don't want to lose ANY of your money if the market crashes, then call me or send me an email and I'll personally help you "get your money SAFE!"

Rick

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Conservative Retirement Solutions, LLC​
1800 St. James Place
Suite 325
Houston, TX 77056
​D
irect:    (713) 206-3885
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  • Home
  • VIDEOS
    • Retirement Planning >
      • Annuity Explanation
      • Home Equity Transfer
      • Monetary Devaluation
      • Pension Maximization
      • Retirement Income Risk
      • Retirement Insurance
      • Retirement Questions
      • Retirement Savings Risk
      • Retirement Tax Strategy
      • Reverse Mortgage (HECM)
      • Roth Conversion
      • Safe Money Contracts
      • Social Security
      • Tax Free Retirement
      • Taxes, Risk & Fees
    • Fixed Annuities >
      • Annuity Buckets
      • Annuity Exchange
      • Annuity Laddering
      • CD to Annuity
      • FIA Credit Rate Explanation
      • FIA Decision Assurance
      • FIA Hedging Explanation
      • FIA Reset Explanation
      • Guaranteed Income Rider
      • IRA Annuity
      • Income Annuity (SPIA)
      • Indexed Annuity
      • LTC Annuity
      • Longevity Annuity
      • Multi Year Guarantee Annuity (MYGA)
      • QLAC Annuity
      • Split Annuity
      • TSP Annuity
    • Estate Planning >
      • CRT / ART
      • Cash Reserve Asset Class
      • Estate Life Insurance
      • Estate Planning
      • Estate Tax Insurance Trust
      • Estate Taxation
      • Final Expense
      • LTC Life
      • Life Settlement
      • Living Trust
      • Planned Giving
      • RMD Conversion
      • Single Premium Life
      • Special Needs Trust
      • Split Dollar Family Banking
    • Life Insurance >
      • Cash Value Life Insurance
      • Child Savings Bank
      • College Funding
      • Family Life Insurance
      • IUL Credit Rate Explanation
      • IUL Decision Assurance
      • IUL Hedging Explanation
      • IUL Reset Explanation
      • IUL Retirement Plan
      • Index UL
      • Life Insurance Calculation
      • Lifetime Tax Strategy
      • Living Benefits
      • Mortgage Life Insurance
      • Private Equity Banking
      • Term/UL Conversion
      • WL Retirement Plan
      • Whole Life Dividends
  • Create A "Private Pension"
  • The Annuity Truth
  • Blog
  • About
  • Contact