The team at Adaptive Wealth Partners understands there are many options inside your 401k and we have created an easy to follow chart that will be updated monthly showing our allocation recommendations. If you have questions about how these recommendations apply to your specific situation, feel free to reach out to us below and send us a statement. We will do the research and get the results back to you.
Just a reminder 401K maximum contributions and catch up amounts have remained steady for 2021. Regular 401K maximum contribution stays at $19,500 and the catch-up provision for 50 or older is $6,500.
CONSERVATIVE: A Conservative investor values protecting principal over seeking appreciation. This investor is comfortable accepting lower returns for a higher degree of liquidity and/or stability. Typically, a Conservative investor primarily seeks to minimize risk and loss of principal.
MODERATE: A Moderate investor values reducing risks and enhancing returns equally. This investor is willing to accept modest risks to seek higher long-term returns. A Moderate investor may endure a short-term loss of principal and lower degree of liquidity in exchange for long-term appreciation.
Moderate Growth: A Moderate Growth investor values higher long-term returns and is willing to accept considerable risk. This investor is comfortable with short-term fluctuations in exchange for seeking long-term appreciation. The Moderate Growth investor is willing to endure larger short-term losses of principal in exchange for the potential of higher long-term returns. Liquidity is a secondary concern to a Moderate Growth investor.
Growth: Growth investors typically invest in equity investments. With a focus on growth stocks—that is, young or small companies whose earnings are expected to increase at an above-average rate compared to their industry sector or the overall market.
The information provided here is for general information only and should not be considered an individualized recommendation or personalized investment advice. The strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is no guarantee of future results. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. The opinions expressed and material provided are for general information, and they should not be considered a solicitation for the purchase or sale of any security.