Your Late-March Investment Update, All In My Opinion…

Some of our more recent proprietarily-crafted client guidance...
Published 3/27/2020

We continue to see the fluctuation-in-value that your March 2, 2020 memo from me mentioned; This should be expected for a while longer for a variety of reasons.
Per our previous discussions over the past three years or so, thank you for accepting a more-defensive allocation. Our lifelong plan is to selectively-deploy those reserves, from time to time, to buy more "opportunity" assets that help you pay your lifelong bills and to help capture an acceptable return.
My other thoughts to share are as follows:

• Our "Opportunity Investment" Targets: I keep a daily list of "prime investment targets" to consider taking advantage of for you. Broadly speaking, we still should wait a while longer to buy at lower-risk prices.
• Resilient Annual Equity-Income: We have been prudently striving to grow more of this for some time. Let's continue to pursue this lifelong goal while routinely observing your very important "projected annual dividend" columns on your statements.
• Your Statement Value Will Be Lower: This is normal to experience, per our earlier chats. Now is the time not to be fearful, but guardedly optimistic. Also note that your "projected annual dividend" totals will not likely fluctuate as much.

I mentioned our "elevated market risk" condition to you times past and also while on WNMU Public TV's "Ask the Certified Financial Planners" (January 2019 and 2020) shows, based largely on "economic cycle" reasons. http://wnmuvideo.nmu.edu ("Ask the Experts" category)
Our current pandemic-based "event driven" situation turns out as the catalyst to our current "bear market" condition. Our economy will now have to "deal with" those resulting "economic cycle" effects. As before, odds are likely that our economy and nation will work things out. Let us remain confident about our investment opportunities developing now and the years to come.

When is a good time for you to take my update call over the next several weeks? Meanwhile, I am gratefully available to assist with any issue, while positively-thinking of your family and you each day.  (906-361-2849 ... My cell no. for your after-business-hours needs.)


PAUL D. HEIN, MBA, CFP
CERTIFIED FINANCIAL PLANNER™