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Submitted by: Puthan(VJ) Vijayan
Puthan(VJ) Vijayan is the Principal member of PMV Investment Advisors, LLC. The firm is a Registered Investment Advisor. VJ is a Certified Estate Planner and Registered Financial Consultant, with over 15 years of planning and investment experience.
August 4,2006 Bonds can be used to balance and diversify your portfolio. When you prudently combine bonds and stocks, you can run a steady middle course. This balance and diversification strategy is relevant whether stocks are outpacing bonds or bonds are showing the way. Even the best designed plans can be subject to change. Ill timed portfolio decline may deplete your savings sooner than you planned. For example, poor portfolio performance early in your retirement years when you have begun to take withdrawals, can have a dramatic effect on how long your assets last. But, if the portfolio performance is reversed-positive performance in the first early years and negative portfolio performance in later years, your retirement assets could last a life time. So, if you're in the so called retirement red zone-five to ten years prior to beginning of retirement and five years post retirement, NOW would be the time to begin to preserve your retirement portfolio. Puthan(VJ) Vijayan CEP RFC MBA www.pmvinvestmentadvisors.com
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