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When you work on your retirement investment strategy, one of the key issues is the rate of return you expect to earn on your money. Historically, different investments or asset classes have achieved different rates of return over different time periods. When you compare the returns on common stocks, bonds and cash, common stocks have had the highest rate of return over a long period of time. Cash and cash alternatives, which provide safety of principal and pay interest, have provided the lowest long-term rates of return. If your risk tolerance is low, you'll need to assume a relatively low rate of return on your investment when you do your planning. Likewise, if your risk tolerance is higher and you have a long-term time horizon, investing in common stocks or stock mutual funds will allow you to assume a higher rate of return for planning purposes. But remember, a higher rate of return does not come without some risk.
Securities and Investment Advisory Services are offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products are offered through LPL Financial or its licensed affiliates. Heartland Planning Associates is a trade name of Heartland Bank. Heartland Bank and Heartland Planning Associates are not a registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured Heartland Bank deposits and are not FDIC insured. These products are not obligations of Heartland Bank and are not endorsed, recommended or guaranteed by Heartland Bank or any other government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. The LPL Financial representatives associated with this website may discuss and/or transact securities business only with residents of the following state: Ohio. Check the background of investment professionals associated with this site on FINRA's BrokerCheck.
|Not Insured by FDIC or Any Other
|Not Bank Deposits or