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Taking Too Much Risk In Your Portfolio

  • Stock Market
Portfolio risk can be insidious. Holding a diverse mix of stocks, bonds, and alternatives may seem adequate for managing risk, but it’s just one component.

Not timing the markets is one thing. Another mistake is having too much risk in your portfolio. Risk involves the chance that the investment you choose will perform differently than you anticipate.

Portfolio risk can be insidious. Holding a diverse mix of stocks, bonds, and alternatives may seem adequate for managing risk, but it’s just one component. If you correlate these investments-meaning they move in similar patterns-then you could jeopardize your portfolio. If the investments respond to market declines all in the same way, you may increase the risk of losing all your money.

The objective is to take on the amount of risk that still aligns you with your long-term goals. When evaluating your portfolio, ask yourself these questions:

Are you too heavily invested in one asset class, sector, or geographical region?

Do you hold too many alternative investments?

Do you hold many of the same investments or overlap too much?

Is your portfolio correctly structured for your long-term goals, investment horizon, and appetite for risk

Financial Designs is here to help you answer those questions. Contact us for a no-risk consultation call today.

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We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Securities offered through Financial Designs Corporation, an SEC Registered Investment Advisor. Guarantees provided by insurance products are backed by the claims-paying ability of the issuing carrier.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Securities offered through Financial Designs Corporation, an SEC Registered Investment Advisor. ...Guarantees provided by insurance products are backed by the claims-paying ability of the issuing carrier.Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured. The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.

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Vaughn G. Heydel

Financial Advisor and Vice President

Vaughn Heydel is committed to helping clients remain confident and well-informed by cultivating long-lasting and meaningful relationships. Additionally, as part of the Financial Designs leadership team, Vaughn plays an integral part in providing valuable insights and analysis to both coworkers and clients.

Vaughn has passed the Series 6, 7 and 63 securities exams and holds his life and disability insurance licenses in California (California license No. 0G12844). He has a Bachelor of Science in Business Administration from Pepperdine University. Vaughn is also a CERTIFIED FINANCIAL PLANNER™ professional and an Investment Advisor Representative.

Nino G. Pavan

Financial Advisor and President

Nino Pavan has been working in the financial services industry for more than 20 years and has helped hundreds of families navigate the retirement process. As president of Financial Designs, Nino oversees day-to-day business operations and uses his expertise in retirement planning to help his clients prepare for their future.

Nino has passed the Series 7, 24 and 63 securities exams and holds life and disability insurance licenses in the state of California (California license No. 0B24334). He is also a CERTIFIED FINANCIAL PLANNER™ professional and Investment Advisor Representative. He conducts retirement and estate planning workshops for employees of major California companies.

Nino has a Bachelor’s of Science in Telecommunications Management from DeVry Institute of Technology and a Law Degree from the University of Southern California.

Nino is a contributing advisor to Kiplinger.