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How to invest like a vulcan.

Actor Leonard Nimoy had such a hard time getting out from under the shadow of the Enterprise, he wrote an autobiography titled, “I Am Not Spock.” Still, the character he played knew a thing or two about making logical decisions that might be able to help the average investor. According to the findings of the 2016 Dalbar Study, the average equity mutual fund investor has been making some decisions you might call highly illogical. The report, which gives a quantitative analysis of investor behavior, found that average Joe didn’t do as well as the S&P 500: while it gained 1.38 percent in 2015, the average investor suffered a loss of -2.28 percent.[1] There’s only one thing to say about that: “KHAAANNN” It seems investors do the opposite of what they are supposed to do because emotions get the better of us humans. Instead of selling high and buying low, we panic when the market tanks, sell at a loss and get depressed. Retirement is supposed to be the rewarding end to a long and profitable career, so what can you do to make it so? If you are retiring without a pension, you might find yourself yearning for the good-old days when workers retired with a gold watch, a cake, and a lifetime paycheck provided by their employer. Income for the rest of your life sounds great, doesn’t it? Who wouldn’t want that? Beam me up, Scotty! Unfortunately, while our technology has managed to come up with touch screens and transparent aluminum armor, we haven’t yet been able to beat anybody anywhere, although we have built quite a few nuclear wessels. The bottom line is this: in spite of giving’ her all she’s got, most investors aren’t getting back much in return from the stock market these days. The traditional rules of investing such as 60/40 and the 4-percent rule are not only outdated, but they may very well lead to undesirable circumstances. If change is the essential process of all existence, then what kinds of changes can you make to your investment portfolio to ensure survival during your final frontier? There’s no need to boldly go where no man has gone before. Insurance companies have come up with many logical solutions to the conundrums faced by the average retiree. Some of these options allow investors to take advantage of indexing strategies that can earn you positive returns without the downside hit of negative gains. Fascinating.   As Spock himself might observe, the stock market will rise, and the stock market will fall. Resistance is futile. When making critical decisions about their retirement funds, men sometimes see exactly what they wish to see. So ask yourself, is retiring without a pension a problem or an opportunity? It all depends on what you do next. Logic is only the beginning of wisdom, not the end. If you’d like to believe that there are always possibilities other than the stock market, then we would be happy to introduce you to a few of our favorite solutions, especially if you’re looking for an investment strategy for funds you need to rely on for income during retirement. Are you worried about trying something different? Don’t worry, for everything, there is a first time. We look forward to the opportunity to help right your ship so you can set your course . . . second star to the right . . .  and straight on ‘till retirement. We hope you enjoyed this voyage back in time. If you found it helpful, pass it on. If you have a question about what to do with the money you’ve saved for retirement, one of our retirement specialists is ready to help.   How to invest like a vulcan.

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