Are you striking the right balance?

As consumers are nearing retirement, balancing financial risk in an ever-changing market can be challenging. And yet everyone has a different appetite for risk. If there’s rain in the forecast, some choose to bring an umbrella, while others take their chances. Consumers may take a similar approach when it comes to retirement planning; some might be more comfortable with market-related risk, while others prefer financial vehicles with less exposure to market risk.

No matter where you fall on the risk spectrum, a financial professional can help ensure your retirement portfolio matches both your 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.

$
$
$
$
Step 3:

Enter your 'market risk' assets

$
$
$
$

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}}
Bonds:{{ bondsPercent | precentRound}}
Mutual Funds:{{ mutualFundsPercent | precentRound}}
Stocks:{{ stocksPercent | precentRound}}
Other:{{ otherPercent | precentRound}}

Print report

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance.

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 your accumulation value for optional benefit riders or strategy fees or charges 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.

The term financial professional is not intended to imply engagement in an advisory business in which compensation is not related to sales. Financial professionals that are insurance licensed will be paid a commission on the sale of an insurance product.

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