Investment Planning Presented By Laurence T. Hanslits, CFP ® The H Group, Inc. 500 Liberty Street...
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Transcript of Investment Planning Presented By Laurence T. Hanslits, CFP ® The H Group, Inc. 500 Liberty Street...
![Page 1: Investment Planning Presented By Laurence T. Hanslits, CFP ® The H Group, Inc. 500 Liberty Street S.E. Suite 310 Salem, OR 97301 (503) 371-3333.](https://reader035.fdocuments.net/reader035/viewer/2022070605/5a4d1ad87f8b9ab059973a8b/html5/thumbnails/1.jpg)
Investment Planning
Presented By
Laurence T. Hanslits, CFP®
The H Group, Inc.500 Liberty Street S.E.
Suite 310Salem, OR 97301
(503) 371-3333
![Page 2: Investment Planning Presented By Laurence T. Hanslits, CFP ® The H Group, Inc. 500 Liberty Street S.E. Suite 310 Salem, OR 97301 (503) 371-3333.](https://reader035.fdocuments.net/reader035/viewer/2022070605/5a4d1ad87f8b9ab059973a8b/html5/thumbnails/2.jpg)
Investment PlanningCommon Questions/Issues
• How long will my money be invested?
• How much fluctuation can I stand?
• How much can I spend and when?
![Page 3: Investment Planning Presented By Laurence T. Hanslits, CFP ® The H Group, Inc. 500 Liberty Street S.E. Suite 310 Salem, OR 97301 (503) 371-3333.](https://reader035.fdocuments.net/reader035/viewer/2022070605/5a4d1ad87f8b9ab059973a8b/html5/thumbnails/3.jpg)
Investment Planning
Planning for varying returns
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Eight Percent Growth applied to $1,000,000Eight Percent Growth applied to $1,000,000Years
0 8.0% 1,000,000$ 16.0% 1,000,000$ 1.3% 1,000,000$ 1 8.0% 1,080,000 15.0% 1,160,000 1.5% 1,012,663 2 8.0% 1,166,400 14.0% 1,334,000 2.0% 1,027,853 3 8.0% 1,259,712 13.0% 1,520,760 3.0% 1,048,410 4 8.0% 1,360,489 12.0% 1,718,459 4.0% 1,079,863 5 8.0% 1,469,328 11.0% 1,924,674 5.0% 1,123,057 6 8.0% 1,586,874 10.0% 2,136,388 6.0% 1,179,210 7 8.0% 1,713,824 9.0% 2,350,027 7.0% 1,249,963 8 8.0% 1,850,930 8.0% 2,561,529 8.0% 1,337,460 9 8.0% 1,999,005 8.0% 2,766,452 8.0% 1,444,457
10 8.0% 2,158,925 8.0% 2,987,768 8.0% 1,560,013 11 8.0% 2,331,639 8.0% 3,226,789 8.0% 1,684,814 12 8.0% 2,518,170 8.0% 3,484,932 8.0% 1,819,599 13 8.0% 2,719,624 8.0% 3,763,727 8.0% 1,965,167 14 8.0% 2,937,194 8.0% 4,064,825 8.0% 2,122,381 15 8.0% 3,172,169 8.0% 4,390,011 8.0% 2,292,171 16 8.0% 3,425,943 8.0% 4,741,212 8.0% 2,475,545 17 8.0% 3,700,018 8.0% 5,120,509 8.0% 2,673,589 18 8.0% 3,996,019 8.0% 5,530,149 8.0% 2,887,476 19 8.0% 4,315,701 7.5% 5,972,561 8.0% 3,118,474 20 8.0% 4,660,957 7.0% 6,420,503 8.0% 3,367,952 21 8.0% 5,033,834 6.5% 6,869,939 8.0% 3,637,388 22 8.0% 5,436,540 6.0% 7,316,485 9.0% 3,928,379 23 8.0% 5,871,464 5.5% 7,755,474 10.0% 4,281,933 24 8.0% 6,341,181 5.0% 8,182,025 11.0% 4,710,126 25 8.0% 6,848,475 4.5% 8,591,126 12.0% 5,228,240 26 8.0% 7,396,353 4.0% 8,977,727 13.0% 5,855,629 27 8.0% 7,988,061 3.5% 9,336,836 14.0% 6,616,861 28 8.0% 8,627,106 3.0% 9,663,625 15.0% 7,543,221 29 8.0% 9,317,275 1.1% 9,953,534 16.0% 8,674,704 30 10,062,657$ 10,062,657$ 10,062,657$
Average 8.0% 8.0% 8.0%
8%Low then High
8%Straight
8%High then Low
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8% Growth8% Growth
-
2,000,000
4,000,000
6,000,000
8,000,000
10,000,000
12,000,000
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Eight Percent Growth applied to $1,000,000Eight Percent Growth applied to $1,000,000with $80,000 Annual Distribution
Years0 8.0% 1,000,000$ 16.0% 1,000,000$ 1.3% 1,000,000$ 1 8.0% 1,000,000 15.0% 1,080,000 1.5% 932,663 2 8.0% 1,000,000 14.0% 1,162,000 2.0% 866,653 3 8.0% 1,000,000 13.0% 1,244,680 3.0% 803,986 4 8.0% 1,000,000 12.0% 1,326,488 4.0% 748,106 5 8.0% 1,000,000 11.0% 1,405,667 5.0% 698,030 6 8.0% 1,000,000 10.0% 1,480,290 6.0% 652,932 7 8.0% 1,000,000 9.0% 1,548,319 7.0% 612,108 8 8.0% 1,000,000 8.0% 1,607,668 8.0% 574,955 9 8.0% 1,000,000 8.0% 1,656,282 8.0% 540,951
10 8.0% 1,000,000 8.0% 1,708,784 8.0% 504,228 11 8.0% 1,000,000 8.0% 1,765,487 8.0% 464,566 12 8.0% 1,000,000 8.0% 1,826,726 8.0% 421,731 13 8.0% 1,000,000 8.0% 1,892,864 8.0% 375,469 14 8.0% 1,000,000 8.0% 1,964,293 8.0% 325,507 15 8.0% 1,000,000 8.0% 2,041,436 8.0% 271,548 16 8.0% 1,000,000 8.0% 2,124,751 8.0% 213,271 17 8.0% 1,000,000 8.0% 2,214,731 8.0% 150,333 18 8.0% 1,000,000 8.0% 2,311,910 8.0% 82,360 19 8.0% 1,000,000 7.5% 2,416,863 8.0% 8,949 20 8.0% 1,000,000 7.0% 2,518,127 8.0% - 21 8.0% 1,000,000 6.5% 2,614,396 8.0% - 22 8.0% 1,000,000 6.0% 2,704,332 9.0% - 23 8.0% 1,000,000 5.5% 2,786,592 10.0% - 24 8.0% 1,000,000 5.0% 2,859,855 11.0% - 25 8.0% 1,000,000 4.5% 2,922,847 12.0% - 26 8.0% 1,000,000 4.0% 2,974,376 13.0% - 27 8.0% 1,000,000 3.5% 3,013,351 14.0% - 28 8.0% 1,000,000 3.0% 3,038,818 15.0% - 29 8.0% 1,000,000 1.1% 3,049,982 16.0% - 30 1,000,000$ 3,003,420$ -
Average 8.0% 8.0% 8.0%
8% 8%8%Straight High then Low Low then High
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8% Growth with $80,000 Annual Distribution8% Growth with $80,000 Annual Distribution
$(500,000)
$-
$500,000
$1,000,000
$1,500,000
$2,000,000
$2,500,000
$3,000,000
$3,500,000
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Horsetail Chart of Random Series of Returns Horsetail Chart of Random Series of Returns Based on 8% Growth with 12% Std DeviationBased on 8% Growth with 12% Std Deviation
-10000000
-5000000
0
5000000
10000000
15000000
20000000
25000000
30000000
35000000
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Retirement Planning
How do I protect against market downturns?
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Divide Money into 3 buckets
• Short term (1 to 3 years)• Mid term (3 to 7 years)• Long term (7 years out)
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Short Term Money
• 1 to 2 year CDs• T-Bills• Money Market
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Mid Term Money
• 3 to 5 year CDs• Mid term treasuries• Annuities
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Long Term Money
• Stocks/Bonds• Real Estate• Commodities
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Managing your “Buckets”
Periodically replenish your short and mid term buckets when you have gains in your
long term bucket.
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How Much Should I Spend?
• Rule of Thumb – Only take 4% of portfolio
• Lower for younger ages (3%)• Higher for older ages (5%)
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How should I be invested?
Depends on how close you are to retirement and how much you need from your portfolio.
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Sample Portfolios
10 years or longer from retirement
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May 3, 2023 Page18
Investment PolicyInvestment Policy
Bonds12%
Money Market3%
Commodities6%
Real Estate12%
Stocks67% `
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Sample Portfolios
5 years from retirement
![Page 20: Investment Planning Presented By Laurence T. Hanslits, CFP ® The H Group, Inc. 500 Liberty Street S.E. Suite 310 Salem, OR 97301 (503) 371-3333.](https://reader035.fdocuments.net/reader035/viewer/2022070605/5a4d1ad87f8b9ab059973a8b/html5/thumbnails/20.jpg)
May 3, 2023 Page20
Investment PolicyInvestment Policy
Bonds32%
Money Market3%
Commodities5%
Real Estate9%
Stocks51%
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Sample Portfolios
At retirement
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May 3, 2023 Page22
Investment PolicyInvestment Policy
Bonds52%
Commodities3%
Real Estate7%
Stocks35%
Money Market3%
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Investment PlanningCommon Questions/Issues
• How long will my money be invested?
• How much fluctuation can I stand?
• How much can I spend and when?