You might be retired already or retirement is in your very near future.  What ever the case may be, as we age our investment time horizon shrinks every year.  When you were in you 30’s or 40’s you might of been willing to take a chance and invest in volatile stocks like the internet.com’s of the world.  Now, you may want to take some chips off the table and reduce your exposure to risk. How can you do that with out sacrificing growth?  The key is diversification and choosing a proven investment such as a mutual fund that has consistently beaten the returns of the S&P 500.  Why is that important?  If your investments have not be beating the S&P 500 there is no reason to be in it because you are taking on more risk and paying more fees for a lower return.  Simply put, you could of bought a S&P 500 index fund that mirrors the performance of the S&P 500 and diversified with 500 different companies rather than putting all you eggs in one basket.  Our Simple Process First, we listen and take careful notes on your retirement goals and over all situation.  Second, we will analyze […]