At Kiely Financial
Services, Inc. we recommend these four prudent investment strategies:
- Balancing
Risk And Return — The informed investor knows
that there is a trade-off between risk and return. The greater
the risk taken, the greater the potential return. We will teach
our clients how to establish a comfortable balance between the
two. In our opinion, the balance is directly related to the
investment time horizon of the individual — the longer
the time horizon, the greater the stock exposure and conversely,
the shorter the time horizon, the more limited the stock exposure.
- Setting
Goals and Objectives — Each investor needs to
have clearly established goals. Long-range goals such as retirement
or a child’s education will indicate the need to look
beyond short-term market fluctuations and this opens the door
to a greater array of investment products. Short-term goals
restrict the client’s investment choices and the effectiveness
of these products will depend heavily on short-term market fluctuations.
We will sort through the maze of investment products and offer
recommendations based upon the client's goals.
- Diversifying
the Portfolio — Because market conditions are
constantly changing, putting all of one's eggs in one basket
can backfire. By appropriately combining several investments
in a comprehensive investment portfolio, the degree of overall
risk and reward will come into balance and be positioned to
take advantage of changing market conditions. We offer customized,
diversified portfolio strategies for any array of market conditions
and investor risk preferences by selecting funds and fund managers
employing various investment styles: value, growth, small companies,
large companies, technology, foreign and some index funds.
- Using Sound
Investment Products — Safe, reliable and proven
investment products lie at the core of any sound financial plan.
We are dedicated to finding these products and putting them
to work for our clients. We generally recommend mutual funds
and money managers that charge no “up-front” fees
because we believe that if a client has money to invest —
every one of those investment dollars should begin working for
the client immediately — as opposed to having some of
those dollars siphoned off for a salesman's commission. We look
for fund managers who have identifiable, proven track records,
whose funds have low expense ratios and consistent returns in
all types of market conditions.
The use of these four
basic investment strategies will result in a portfolio defined
by prudence, cost effectiveness, stability, diversification, and
solid long-term growth to meet the client's needs. |
