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The Secret To Successful Investing

The secret to successful investing

The secret to investing is complex. There is no silver bullet, there is no pill to take, there is no hot new stock, etc. Everyday we are bombarded by advertisers trying to sell us quick fixes to complex problems. I'm sure we've all fallen victim to the silver bullet solution once or twice before. I know that I have, more times than I would like to admit. So if there is no silver bullet, what is the secret to investing?

What is investing?

“Investing is like planting a tree, you plant it in the earth, and a wonderful force of nature (compound interest) causes it to take root, and to grow. You don’t have to do much with it: the air and the water and the nutrients it needs are all around the tree, and it knows how to use them.

You don’t dig it up every ninety days to check on its progress, nothing much will have changed in that brief time and you might harm the tree. You don’t uproot the tree and store it in the garage over the winter, to protect it from what you regard as bad weather. Though it’s leaves die and it stops growing for a season, the tree itself does not die.

Even leafless, the tree is still producing oxygen, without which you and I could not live. Give the tree enough room, enough light, enough time. Then leave it pretty much alone. It will give you back air and shade and beauty as it grows and will go on doing so for your children after you’re gone”

-Nick Murray and his book Simple Wealth Inevitable Wealth

At 80/20 Financial Services, just like the above passage states, we believe that investing should be looked at as a long term goal. Much like planting a tree.

We believe:

  • A goal of retiring - without a  plan - is simply a plan to run out of money.
  • Inflation is the number one enemy of a successful retirement.
  • In making a goal-focused, long-term retirement plan and sticking to it and only adjusting when necessary.
  • We act on our plan. We DO NOT react to financial "news"
  • In protecting your assets from the courts, the federal government and long-term care facilities.
  • That a retirement income that one doesn’t outlive, can only be achieved through a program of lifetime investing in quality companies.
  • True retirement planning is aligning your investments with your retirement goals.
  • In following the five Fiduciary Principles.
  • Our retirement planning price is worth multiples of what a client pays for it.
  • In paying no more taxes than you legally have to. (Tip your servers, not the IRS.)
  • The most valuable services we offer are increasing your time, money and peace of mind.

The Real Secret To Successful Investing

Many people think the secret is the "right" adviser picking the "right" investments for you. But that's not it at all. The real secret to long term investing success is the advisor keeping you on your plan and keeping you from making costly mistakes. That's the secret to investing.

Think of us as an insurance plan for your retirement nest egg. Except, unlike most insurance plans, we protect you before a disaster strikes, not after a disaster strikes.

You Need A Plan

At 80/20 Financial Services, we are retirement planners. We specialize in retirement planning for electric cooperative employees within 5 years of retirement or already retired.

We believe a goal of retiring - without a plan to increase your income during retirement- is simply a plan to run out of money. Retirement planning is a strategy to maintain and increase that dollar amount over time.

If you're age 50 or over and still in the accumulation phase (pre-retirement) we can help you figure out where you need to go and how to get there. If you are retired or nearing retirement, we can create a plan which will outpace inflation and increase your income over time. The consultation is free and without obligation. Contact us to set up a consultation.

Our mission is to increase your time, money and peace of mind by helping you create a retirement income and investment plan that aligns with your retirement goals and then guide you through the completion of that plan year after year.

For more articles about retirement planning and investing, click here. You may also sign up to receive our weekly blog here.

Thanks for reading!

Brian Coleman-Owner/Advisor

80/20 Financial Services is an Independent Registered Investment Advisor (RIA) registered in the state of Missouri (CRD# 300772). Being independent allows us to work exclusively for YOU. 80/20 Financial Services is the legal name of our Registered Investment Advisory Firm (RIA). Electric Cooperative Retirement Planning is what we do. Our specialty is retirement planning for electric cooperative employees within 5 years of retirement or already retired

We specialize in helping electric cooperative employees create their retirement income and investment plans. Retirement can last 20-30 years. You need a plan!

Photo by Luke Richardson on Unsplash