Are you striking the right balance?
As you near retirement, balancing your appetite for risk in an ever-changing market is an important consideration. Some might be more comfortable with market-related risk, while others prefer to place their money in vehicles less exposed to market risk.
Identifying your risk tolerance can be the first step toward making sure your retirement portfolio matches your future goals and comfort level. Use the calculator below to determine your current balance with risk.
Step 1:
Set your ideal 'no market risk' percentage
%
Step 2:
Enter your 'no market risk' assets
Enter the value for each of the following financial product categories.
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$
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Step 3:
Enter your 'market risk' assets
Enter the value for each of the following financial product categories.
$
$
$
$
$
Your Results:
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Total:
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No market risk total:
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Exposed to market risk total:
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Risk Breakdown
Risk-free:{{ totalNoRiskPercent | precentRound}}
Risk:{{ totalRiskPercent | precentRound}}
Category Breakdown
Cash:{{ cashPercent | precentRound}}
CD:{{ cdPercent | precentRound}}
Fixed Annuities:{{ fixedAnnuitiesPercent | precentRound}}
Fixed Index Annuities:{{ fixedIndexAnnuitiesPercent | precentRound}}
Other No Risk:{{ otherNoRiskPercent | precentRound}}
Bonds:{{ bondsPercent | precentRound}}
Mutual Funds:{{ mutualFundsPercent | precentRound}}
Stocks:{{ stocksPercent | precentRound}}
Variable Annuities:{{ variableAnnuitiesPercent | precentRound}}
Other Risk:{{ otherPercent | precentRound}}
Print report
Fixed index annuities are not a direct investment in the stock market. They are long-term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for additional optional benefit riders or strategy fees associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.
Securities distributed by Sammons Financial Network®, LLC., member FINRA. Insurance products are issued by Midland National® Life Insurance Company (West Des Moines, IA). Sammons Institutional Group®, Inc. provides administrative services. Sammons Financial Network®, LLC., Midland National® Life Insurance Company, and Sammons Institutional Group®, Inc. are wholly owned subsidiaries of Sammons® Financial Group, Inc. Sammons Retirement Solutions® and Midland Retirement Distributors® are marketing divisions of Sammons Institutional Group®, Inc.
NOT FDIC/NCUA INSURED, MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.
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38461D-05 PRT 05-25
38461D-05 PRT 05-25