Stay-The-Course Overview 

The Stay-The-Course strategy is designed ideally for those in the 1st or 2nd quarters of their career (typically between 25 and 45 years of age) where market dips present an opportunity, because you have plenty of time to potentially recover from significant market losses.  While markets historically have risen over the long run, the stock market (as measured by the S&P 500) may also experience a decline of 20% or more about once every four years.  If you feel you have plenty of time to recover your losses, this may present a buying opportunity for those willing to continue to invest as markets decline.    

The Stay-The-Course strategy helps you to know how to select from the investment options inside of your retirement plan whether it's a 401(k) or a 403(b).  We build the plan using the most index like fund options available to you, with specific fund and allocation recommendations.  We will help you Retire Strong by offering you the help necessary to manage your 401(k) or 403(b) portfolios – without spending too much time, energy or money worrying about investments.  You can rest easy knowing you are getting professional guidance.

This Stay-The-Course strategy is a more traditional plan that manages the risk of your portfolio by selecting an allocation between stocks and bonds that matches your risk tolerance and your time horizon.  Then by re-balancing back to those allocations as the market goes up and down you can maintain your risk exposure.  If you believe that it's more about time in the market than timing the market then this plan is for you.  

What does Stay-The-Course strategy offer?

  • You will get specific advice on the funds to use in your plan and how much to consider allocating to each
  • Focused on the most index like and low cost option that your plan offers
  • Asset allocation recommendation to help meet your long term funding needs
  • Reminders to rebalance your portfolio, when prudent to consider
  • If you link your account to the UC GuideCenter we will monitor your allocations and notify you if you need to consider rebalancing
  • Additional resources and tools to help you track if you are on plan to meet your retirement goals (additional cost will apply) 
  • Comes in a number of allocations options: 80/20, 70/30, 60/40, 50/50, & 40/60 (Stock/Bonds)
401k Wealthplan is a coaching service.  Meaning that we help put you in control of your retirement future.  This also means that you need to take an active role in assuring that holdings in your portfolio are at the allocation that you feel is right for you.  We will help you with reminders and notifications but you have to take the 10 to 15 minutes to check your plan and then rebalance back to targets when necessary.  

The Stay-The-Course strategy is just that, to strive to ride out the ups and downs of the market.  With time on your side and continuing to add to your retirement plan on a consistent basis market dips may work in your favor.  This is because if you invest a constant dollar amount each month you buy more shares when stock prices have declined, assuming stock prices go back up in the future.  The key is to actually Stay-the-Course.

Investing involves risk and clients should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece to make decisions. The information contained herein is intended for information only, is not a recommendation to buy or sell any securities, and should not be considered investment advice. 

Equity investing involves market risk, including possible loss of principal. In general the bond market is volatile, and fixed income securities carry interest rate, market, inflation, credit and default risk. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Past performance is not a guarantee or a predictor of future results of either the indices or any particular investment. It is not possible to directly invest in an index.

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United Capital Financial Advisers, LLC's web site does not represent an offer of or a solicitation for advisory services in any state/jurisdiction of the United States or any country where the firm is not registered, notice filed, or exempt.  United Capital provides advice and makes recommendations based on the specific needs and circumstances of each client.  Clients should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece to make decisions. United Capital is not a broker dealer and does not offer tax or legal advice. Please consult your tax adviser or legal counsel for assistance with your specific needs.  *United Capital Financial Partners, Inc., is the parent company of United Capital Financial Advisers, LLC, and its affiliates.

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