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Building a Balanced Portfolio Across Investment Timelines

Demos Argyros is a Saint Louis, Missouri financial executive who serves as managing director of investments-private client division at the Aletheia Private Client Group under Oppenheimer & Co. Inc. Providing comprehensive wealth solutions, Demos Argyros advises on aspects of planning such as building a balanced investment portfolio.

Accomplishing a balanced investment portfolio starts with defining one’s financial goals and time horizon. Pay particular attention to how long the investments must be held until maturity. Long-term holdings generally allow for more aggressive positions with greater risk and potential returns.

Remember that greater risk is more acceptable the further one is from retirement. Too much risk and only a small amount of time before retirement makes recovering from losses difficult. At the same time, too little risk makes achieving net returns that keep pace with inflation challenging.

Certain types of retirement accounts pair well with specific timelines. For long-term goals, utilize employee savings accounts such as 401(k) and IRAs, which are tax-advantaged. For short-term goals, high-yield savings accounts, money market accounts, and CDs provide a springboard for predictable, risk-averse growth. These can be supplemented by online brokerage accounts that are taxed and contain a mix of equities suitable to one’s specific level of risk.

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How to Maximize Social Security Distributions in Retirement

Demos Argyros is a Saint Louis, Missouri financial executive who provides client advice with The Aletheia Private Client Group at Oppenheimer & Co. Inc. One focus for Demos Argyros and his team is developing portfolio strategies that aim toward retirement, with the goal of maximizing gains and minimizing risk exposure.

For those approaching retirement, one common realization is that Social Security benefits alone will not be enough to fund a comfortable lifestyle. Social Security on average accounts for only 40 percent of what one earned when still working, and nearly half of Americans do not participate in employer-sponsored retirement plans.

One way to maximize what Social Security does offer is to delay payouts as long as possible. The monthly benefits received at 70, the latest age to begin distributions, is 76 percent higher than the benefit received at age 62, the earliest age one can start receiving benefits.

In addition, married couples can maximize the benefits received by having the spouse with the higher benefit delay filing until after full retirement age (67) is attained. One advantage of this approach is to safeguard benefits against eventualities such as a spouse passing on. So long as the deceased spouse has reached retirement age, the surviving spouse will receive 100 percent of the loved one’s payout.

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Benefits of Wealth Management Services

Wealth management, also known as portfolio management or asset management, is a financial service in which asset managers assist individuals with growing their wealth through financial and investment counseling. Furthermore, asset managers offer personalized financial services such as tax services, retirement planning, investment advice, and estate planning to address their clients' financial needs.

Many companies offer wealth management services; these include brokerage companies, boutique advisory firms, and banks that use their own internal asset management departments or independent asset management services. Furthermore, although high-net-worth individuals are the most common recipients of these wealth management services, it is not limited to the affluent alone.

This is because wealth management service providers utilize the Asset under management (AUM) principle to calculate their wealth managers' fees. Thus, a wealth manager's payment is based on the volume of their client's assets which is under their care, allowing anyone to benefit from wealth management regardless of their financial situation.

The growing popularity of wealth management services worldwide is due to the numerous benefits it offers people who want to increase their wealth. For instance, wealth management firms provide their clients access to trained professionals with in-depth financial knowledge in tax, real estate, and investments. These professionals ensure their clients avoid costly financial mistakes while helping them preserve and grow their wealth.

Further, asset managers evaluate and address clients' needs using their expertise and information obtained from clients regarding their goals, risk tolerance, and financial capacity. They use this information to allocate clients' assets to various profitable and risk-adjusted investment options, such as commodities, currencies, precious metals, stocks, and bonds.

Wealth managers can also assist clients in optimizing their earnings and cash flow. They typically achieve this by developing financial plans that guarantee their clients' spending does not exceed their income, which benefits individuals struggling with debt repayment or living hand to mouth. In addition, wealth management services provide clients with loan and savings repayment options, allowing them to address any outstanding debts effectively.

Moreover, asset managers also save their clients a significant amount of time. Because asset managers manage their clients' investments, they prevent clients from performing time-consuming tasks like market data research or transaction execution.

Similarly, asset managers assist their clients in developing financial goals that are prioritized and time-bound. These objectives are the foundation for any financial decisions made for the client. The asset manager will also employ various strategies to ensure their client's objectives are timely.

In some cases, asset managers are the only way to gain access to certain investment options in the financial markets that are not available to the general public. These exclusive investment options could include shares in a given company, exclusive consultation or information, or private company stock. Furthermore, asset managers constantly monitor and implement various investment strategies for their clients. As a result, their clients' investment portfolios generate high profits, and they rebalance them when needed.

Wealth management is a complex process that some people may need proper guidance to navigate. As a result, wealth management firms provide financial guidance and assistance to the average person, facilitating long-term growth.

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Personal Fitness Trends

Saint Louis, Missouri, resident Demos Argyros is a member of The Aletheia Private Client Group, a team that invests for individuals and performs research on possible future investments. In his free time, Demos Argyros enjoys a variety of hobbies, including fitness. A widespread change in fitness habits - working out at home instead of at a gym - resulted from more than just the COVID-19 pandemic. Brands like Peloton create a personalized fitness experience in which a fitness trainer teaches clients according to the client’s lifestyle. Fitness buffs can receive a similar experience through less expensive methods, like smartphone apps with on-demand connections to fitness trainers or fitness videos of workouts of varying lengths and intensities. Fitness classes at home can provide some degree of social interaction without health concerns or discomfort from exercising in front of strangers. As a result of working at home, some fitness enthusiasts now perform shorter workouts during regular breaks throughout the day. If done properly, short, high-intensity workouts can achieve equal results to long, less-intense workouts. This approach to exercise takes advantage of downtime, saving commute time to and from the gym and expenses such as childcare.

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Types of Investment Portfolios

An investment portfolio is a group of assets, including stocks, cash, and other financial instruments. Investors pursue profit by combining these assets to represent their risk appetite and financial objectives. Some investment portfolios are primarily focused on 401(k)s, IRAs, and annuities, while others are managed separately through a brokerage or financial adviser. There are different types of investment portfolios, including aggressive portfolios, defensive portfolios, hybrid portfolios, speculative portfolios, and income portfolios. An aggressive portfolio is so titled because it seeks larger returns and typically takes on more risks to reach this goal. Several high beta equities are often included in this portfolio. These equities have a higher level of volatility than the overall market. In stocks or financial assets, aggressive investors don't necessarily look for household names. They frequently choose firms that are still in the early phases of development and have a unique value proposition that may generate exceptional returns for the risks involved. If you want to construct a portfolio like this, you should focus on industries like technology, which is a developing industry. Also, ensure that your losses do not outnumber your earnings while aiming for the maximum returns. A defensive portfolio, however, does not include high-beta equities. Market fluctuations have little impact on such stocks. These are relatively risk-free stocks to invest in. They don't generate outlandish returns during upswing business cycle lows. Owners of defensive portfolios invest in safe companies or businesses that are not really affected by economic crises since client demand will always be high, no matter what. A defensive portfolio's asset selection is quite straightforward. Choose everyday goods and invest in them. Invest in food companies and other related businesses. A hybrid portfolio combines both active and passive assets, such as art, and provides flexibility. Blue-chip equities and high-grade corporate or government bonds are frequently the foundation of a hybrid strategy. By mixing stocks and bonds in a preset proportion, a hybrid portfolio diversifies various asset classes while offering stability. Further, A high level of risk tolerance is also required for a speculative portfolio. This kind of portfolio is risky because it represents a bet that a certain company will do well with no serious guarantee provided. Initial public offerings (IPOs) are enticing choices for a speculative strategy. Healthcare firms that are focused on cutting-edge research or breakthrough discoveries also fall under this category. However, not every investor is prepared to accept such a significant risk. That is why new investors must make a well-considered selection. It takes a lot of investigation to figure out which firms you can trust to provide consistent profits. Finally, The cornerstone of an income strategy is dividends and other recurring benefits to owners. It shares many characteristics with a conservative portfolio, with the exception that it invests in higher-yielding stocks. The stock market for real estate is a great example of this. Real estate provides advantageous tax benefits and larger profit gain. One perk of investing in real estate is that you do not have to worry about property ownership. To create an income portfolio, invest in stocks that aren't as well-known yet pay out high dividends. You could also investigate utilities or other stable industries to invest in. This is a fantastic option if you want your portfolio to perform as an active supplement to your monthly payment or as a source of income in retirement.

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Tips for Successful Hunting in Snowy Weather

Snowy periods can be a bad time for hunting due to several factors. However, you can implement snow hunting strategies to yield results similar to warm weather hunting. Success in snowy weather hunting is usually hinged on understanding these strategies. One snow hunting tip is donning the right gear. During hunting in snowy areas, proper clothing is necessary. Your hunting clothes should be able to keep you warm while allowing free movement for proper handling of the gun, bow, or hunted animal. In cold weather hunting, layering is important. First, don an insulating base layer. Next, wear long underwear. If the snow temperature is really low, wear a woolen cloth on the underwear. Last, add your camo parks, insulated overalls, and your hat. Make sure you get quality mittens or gloves. A practical choice is a wool mitten with a flip-open fingertip feature. In addition, warm footwear is necessary for snow hunting. Insulated waterproof boots, liner socks, and wool socks are essential snow hunting gear. Another tip is testing your equipment. It’s quite difficult to make accurate shots, wearing thick coats, face masks, and bulky gloves. So, practice shooting in your complete hunting gear. This way, you can adjust your technique to perfection. While waiting, thermal heat pads can keep your hands warm. Finding game may be a bit tasking in snowy areas, but a snow hunter’s most important asset is the snow. Usually, one can determine tracks in mud or dirt. However, tracks are easily identifiable in snow. Even more, you can trace such tracks over longer distances than dirt and mud tracks. The challenging aspects of tracking are determining the age of the tracks and the travel direction in deep snow. There is one general rule for age determination: examine the track edges to find traces of re-crystallizing moisture or melting. Then, compare your findings to the weather trends. Another tip is being fast enough to recover a wounded animal. A wounded animal usually leaves blood trails, which are very visible in snow-coated areas. The blood’s red color contrasts clearly with the snow’s color, so identification is easy, even when there is only a drop of blood. Also, the animal’s body will stand out in the snow; try to recover the animal early enough before snow covers and make it undiscoverable. The body burns more calories in cold weather hunting since it generates more warmth than usual. So make you are well-fed and hydrated before embarking on your hunting expedition. When hunting, take high-energy snacks such as nuts, jerky, and dried fruits along with you. When you eat them, don’t rush; take your time. Also, you can treat yourself to a thermos of hot chocolate or soup. Last, predict movement correctly. It often starts from the high country during snowfall before it moves to the lower parts. This circumstance can be key to hunting big game. Consequently, when snow falls and coats the higher elevations, animals will travel towards lower elevations. This is because the food will be easier to access in these places. You can use this to your advantage. So, when the high country is covered in the snow, know that there are more animals to hunt in lower elevations.

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St. Louis, Missouri, financial executive Demos Argyros serves as managing director of investments and branch leader at Oppenheimer & Co., and is active with the Aletheia Private Client Group. Demos Argyros emphasizes the importance of shifting portfolio strategies through the various stages of career and life.

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