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3 Potential Red Flags In Your Retirement Portfolio
This is for educational purposes only.
Key Takeaways:
- "A-Shares" mutual funds charge upfront commissions (often ~5%) and higher ongoing fees. Ask your advisor if a cheaper share class of the same fund is available to you.
- Annuities inside IRAs can be a red flag; you're paying for tax deferral within an already tax-deferred account. Always ask, "What specific benefit does this annuity provide me here?"
- Be wary of advisors placing you in their firm's proprietary funds. These can often underperform benchmarks while charging high fees due to institutional conflicts of interest.
- The essential question for any investment is: "What am I paying, and what am I receiving in return?" If the value isn't clear, seek a second opinion.
- These are "yellow flags," not automatic failures. They signal it's time to ask pointed questions and ensure your portfolio is working as hard as possible for you.
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- YouTube
Our Home Base
- Continuum Wealth Advisors
Disclosure
The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.
Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.
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By David Rath, CMT®, CFA® & Patrick Kalish, CFP®This is for educational purposes only.
Key Takeaways:
- "A-Shares" mutual funds charge upfront commissions (often ~5%) and higher ongoing fees. Ask your advisor if a cheaper share class of the same fund is available to you.
- Annuities inside IRAs can be a red flag; you're paying for tax deferral within an already tax-deferred account. Always ask, "What specific benefit does this annuity provide me here?"
- Be wary of advisors placing you in their firm's proprietary funds. These can often underperform benchmarks while charging high fees due to institutional conflicts of interest.
- The essential question for any investment is: "What am I paying, and what am I receiving in return?" If the value isn't clear, seek a second opinion.
- These are "yellow flags," not automatic failures. They signal it's time to ask pointed questions and ensure your portfolio is working as hard as possible for you.
Follow Us
- YouTube
Our Home Base
- Continuum Wealth Advisors
Disclosure
The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.
Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.