Your retirement account likely represents your largest financial asset—the result of years of disciplined saving and careful planning. But as you approach retirement, you’ve entered what experts call “The Red Zone”—a critical 10-year window where your savings are most vulnerable to market downturns. Many investors don’t realize that their standard investment approach may no longer fit their timeline.
The financial industry’s one-size-fits-all advice of “diversify and hold for the long term” ignores a crucial reality: your investment timeline is no longer measured in decades. A significant market decline now could force you to work years longer than planned or accept a lower retirement standard of living. Standard target date funds and traditional asset allocation models weren’t designed to protect you during this critical period.
Quiver Financial provides this quarterly guide to offer timely, specific allocation recommendations based on current market conditions and emerging trends. We regularly analyze emerging trends across stocks, bonds, commodities, and other markets to help you make informed decisions about your retirement savings. We distill our research into allocation models designed to help balance your 401(k)’s growth potential within your preferred risk tolerance level.
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Not intended to be investment advice. Always consult your own financial advisor or contact us at 949.492.6900 before acting on any investment ideas. The allocations provided are a reflection of the allocation guidance Quiver Financial provides to its private clients and the Quiver Financial Blue 401(k). Not all 401(k) providers may provide the same funds noted in the Quiver Financial guide, please contact us if you need assistance on finding an alternative fund that may be available within your specific 401(k). Advisory services offered through Quiver Financial Holdings, LLC. A registered investment advisory with the sate of California. Insurance License #0L92424
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