Retirement is a popular topic of discussion and, in some cases, an item of concern. There have been television commercials of “What is your number?” and “Do you have enough money for retirement?” This Quarter's newsletter discusses some of the factors that lead to a successful (financial) retirement. These factors can be complex and our discussion here is purely a cursory one.
We, at Paragon Financial Advisors, will be happy
to have a more in-depth conversation with you about
your personal circumstances. One particular success
factor listed in Part 2 (portfolio expense) is one we
monitor. Any mutual funds chosen for our client
portfolios have no sales charges (for sales or purchases)
and we try to select appropriate mutual funds with
minimal expense ratios. For appropriate accounts, we
select individual securities; this selection eliminates
expense ratios completely.
In addition, we at Paragon
have negotiated lower security transaction fees for
client transactions—again reducing the expense of
The final item discussed is a graphical chart of funds
flowing into and out of stock and bond mutual funds.
The bottom line is most investors do the wrong
thing—selling when they should be buying and vice
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