Presentation on theme: "QUALIFIED PLAN PARTICIPANT REVIEW 2Q10 Presented by: Lawing Financial."— Presentation transcript:
QUALIFIED PLAN PARTICIPANT REVIEW 2Q10 Presented by: Lawing Financial
All data as of 6/30/10 Monthly Performance Year-To-Date Performance Indices06/01/1006/30/10Gain/Loss% Change4.01/01/1006/30/10Gain/Loss% Change Dow Jones10, , % 10, , % S&P5001, , % 1, , % NASDAQ2, , % 2, , % Russell % % 10 Year Note Yield3.30%2.95%-0.35%-10.61% 3.84%2.95%-0.89%-23.18% Monthly Performance Year-To-Date Performance Indices 06/01/1 0 06/30/1 0 Gain/L oss % Change /01/ 1006/30/10 Gain/L oss % Change Dow Jones 10, , % 10, , % S&P500 1, , % 1, , % NASDAQ 2, , % 2, , % Russell % % 10 Year Note Yield3.30%2.95%-0.35%-10.61% 3.84%2.95%-0.89%-23.18% Indices mentioned are unmanaged and cannot be invested in directly. Past performance is not a guarantee of future results.
Challenges Participants Experience Dalbar Study conducted from 1986 to 2005 S&P % Equity Investor3.51% Retirement Plan Investor 6.00% Annual difference between S&P 500 and Systematic/401k Investor Returns: 5.90% The study, done by DALBAR, was one that studied various types of investors, their average returns and the tendencies that they shared and the typical trends that occurred. Even though the average participant still made the mistakes of buying high and selling low, they out performed the average Equity (lump sum) Investor. Why is that? The answer: The Power of Dollar Cost Averaging
Important Things to Remember #1 Golden Rule; Do Not Panic. Volatility, is now, and always has been a part of the markets. How you react to it will dictate your long-term performance. Start by reviewing your timetable. Visit with a Lawing Advisor to review your risk profile, possibly take a new risk questionnaire. If you are planning on retiring in less than 3 years, be sure to discuss your plans, savings goals and risk profile with a Lawing Financial Advisor.
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Disclaimers / Notifications Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Lawing Financial Associates, Inc, A Registered Investment Advisor King 4th Floor Overland Park KS Fax: Cambridge and Lawing Financial Associates are not affiliated. Lawing Financial – King Suite 400 Overland Park KS 66210, doing business as Retirement Plan Advisors Lawing Financial Associates and Lawing Financial Group are two separate companies, offering two distinctly separate types of financial products and services. Lawing Financial Group offers general financial products and services and may receive revenues, including fees or commissions, generated from the sale of these products and services. Lawing Financial Associates primary focus is offering investment advisory services, including but not limited to, the selection of funds for core funds line-ups, design of investment policy statements, and the specific management of the professionally managed investment models that are made available to individuals and business clientele. If you are unclear about which role either of these companies serves, we would ask that you directly Lawing Financial at Lawing Financials primary client goal is to protect your privacy. To conduct our regular course of business, we may collect nonpublic personal information from such sources as: Information reported by you on applications or other forms you provide to us Information about your transactions with us, our affiliates, or others Lawing Financial will internally safeguard your nonpublic personal information by restricting access to only those employees who provide products or services to you or those who need access to your information to service your account. In addition, we will maintain physical, electronic and procedural safeguards that meet federal and/or state standards to guard your nonpublic personal information. Products offered are not deposit or obligation instruments. These products are not insured by the FDIC or any other bank insurance program or federal government agency and are not an obligation of a bank. They are subject to risks, including possible loss of principal and may lose value. Investment Advisory Services offered through Lawing Financial Associates, Inc King – 4th Floor - Overland Park KS