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Winning...By Not Losing

How We Manage Money

Given the volatility of today's stock market, investors can suffer major or catastrophic losses at the worst possible time, and those losses can be compounded by emotion-driven decisions.  One of the biggest risks to investors, especially retirees and those about to retire, is called "sequence of return" risk.  This is where the market has a dramatic drawdown right before or at the beginning of retirement.  

Unfortunately, experiencing considerable losses at the wrong time can derail even a well-thought-out retirement plan.  At Disciplined Advisors Group, we help clients minimize this type of risk.  The DAG Trend-Following Portfolio is a rules-based strategy designed to reduce risk when the market is trending down and fully invest when the market is trending up.

The goal is to capture the long-term upside of the market with less volatility, reducing the "sequence of return" risk.  This approach can serve as a viable strategy to guard against the anxiety of a lower trending market and the financial consequences of catastrophic losses.