Give Your Portfolio the Attention It Deserves

Managed accounts are now a viable option for many investors. But whether you need an account manager depends on the kind of investor you are. [Shield] AN OXFORD CLUB PUBLICATION [Liberty Through Wealth]( [View in browser]( SPONSORED [$10 Tech Stock Multiplies Profit 12-Fold in One Year!]( [Shape-Shifting Smartphone]( Groundbreaking new tech is being hailed as a "technological tour de force." And one company is seeing profits pour in. [See why Samsung, Tesla and Apple are all reportedly now working with this $10 stock.]( EDITOR'S NOTE In today's article, Alexander Green notes how tough a year it has been for both stock and bond markets. It can be intimidating investing in these turbulent markets, which is why we have a special invitation for you... On Saturday, April 30, at 6 p.m. ET, Chief Income Strategist Marc Lichtenfeld and Monument Traders Alliance co-founder Bryan Bottarelli are set to hit the debate stage for The Oxford Club's first-ever live, uncensored and FREE event called "The Big Debate: Will the Market Crash in 2022?" Marc and Bryan will debate where they believe the market is heading and which investing strategy is most effective in today's uncertain market... If you're looking for a little excitement, look no further... During this event, the gloves will come off. [Reserve your seat to the live, virtual and FREE debate here.]( (NOTE: Clicking this link will opt you in to the Oxford Club Special Opportunities free e-letter and offers from us and our affiliates that we think might interest you. [Privacy Policy.]( - Madeline St.Clair, Assistant Managing Editor THE SHORTEST WAY TO A RICH LIFE [Could You Benefit From an Account Manager?]( [Alexander Green | Chief Investment Strategist | The Oxford Club]( [Alexander Green]( This has been a tough year for both the stock and bond markets. Many readers have written to me asking what they should do now. And, of course, I'm happy to share my ideas in The Oxford Club's publications each week. However, many readers ask for personal advice about their portfolios given their age, experience and personal circumstances. We offer general investment advice, not personal investment advice. That's how we avoid the intense regulation of the financial services industry. But [not knowing your asset allocation]( or [whether you're properly diversified]( or overleveraged - especially given your unique circumstances - is a fundamental mistake. And fundamental mistakes are the hardest to bounce back from. Many of the individuals asking these questions might benefit from an account manager. Historically, only institutional investors used professional money managers to run their portfolios. Until recently, individual investors could only access the best managers through mutual funds, unless they had millions to invest. SPONSORED [Join Marc Lichtenfeld's Easy Income Challenge...]( [Easy Income Challenge]( And discover a simple way to generate at least one income check every month! [CLICK HERE]( But in recent years, investment minimums - and, just as importantly, costs - have come way down. Managed accounts are now a viable option for mainstream investors. Here's how they work... When you open a managed account, you sign a limited power of attorney to let an investment professional run your portfolio - or, at least, the portion that you turn over to him or her. The manager begins by determining your investment goals, time horizon and risk tolerance. A 30-year-old's portfolio, for instance, would look very different from an 80-year-old's. Here are the benefits of a professionally managed account: - Custom asset allocation. The portfolio is constructed based on your personal investment goals, not a general strategy like "growth" or "income." - Personalization. As stated above, the account manager will take into account your specific circumstances. - Transparency. Unlike mutual funds, you know what's in your account. You can see what you own. - Tax management. Your portfolio can be run so that taxes on dividends, interest and capital gains are minimized or eliminated. (Tax-free bonds, as one example, should almost always be state-specific.) - Competitive fees. Account managers charge a flat fee rather than full-service brokerage commissions. - Performance. Account managers often have favorable track records. - Convenience. If you are too busy to give your investments the attention they deserve - or if you are an inexperienced or [emotional investor]( - having a professional run your portfolio may be your best solution. Who would not benefit from a managed account? Primarily do-it-yourselfers. [If you enjoy the investment process]( have the time and expertise to implement your investment strategy, and - most importantly - are satisfied with the results, you don't need to turn your money over to someone else to manage. On the other hand, there are few hobbies more fraught with danger than horsing around with the money you've spent a lifetime accumulating and plan to live on in retirement. I recently spoke with Greg Galloway, president of Fund Advisors of America in Orlando, Florida, who runs many managed accounts based on The Oxford Club's asset allocation and investment recommendations. He said with a laugh... Look, I'll be the first to concede that managed accounts aren't for everybody. However, I speak with a lot of investors who realize they could be doing a lot better than they are. They know they should asset allocate their portfolios, but they don't. Or they aren't sure how. They don't want to be over- or under-diversified, but we look at their portfolios and see that they are. They know they should run trailing stops behind their stocks, but they get distracted or forget. Many of these people are smart, sophisticated investors, incidentally. They're just too busy running a company, taking care of their families, traveling or pursuing other interests to give their portfolios the attention they deserve. How about investors who say they can save money by doing it themselves? "Sometimes true," said Greg... After all, you can trade stocks today for essentially nothing. But, remember, the most important question is "Am I satisfied with my investment returns net of whatever I'm paying?" I often ask prospective clients, "If no one else would pay you to manage their money, are you really the best person to manage your own?" Their honest answer is generally a sheepish "No." In my view, whether you need a managed account really boils down to whether you like to grow your own tomatoes. Stick with me a moment... Some people are natural gardeners. They want to till the soil, plant the seeds, water them, fertilize them, weed them and, eventually, harvest them. When they eat those tomatoes, they have the pride and satisfaction of knowing they grew them themselves. Other folks are too busy or simply uninterested in growing their own tomatoes. They just stop at the store and pick up a bag. They don't want to grow their own tomatoes. If you'd like to learn more about managed accounts, here are two good places to start... Greg Galloway, Rick Pfeifer and Conrad Schwalbe of Fund Advisors run managed accounts through Charles Schwab, using Oxford Club recommendations among other strategies. They also offer a complimentary portfolio review. (Minimum account size is $100,000.) Greg, Rick and Conrad can be reached at 800.438.3040 or 407.667.4729. If your interest is gold and other precious metals, you may want to talk to the folks at Asset Strategies International. They focus on currencies, precious metals and offshore accounts. Contact Michael or Rich Checkan at 800.831.0007 or 301.881.8600. Incidentally, Oxford Club Members are entitled to discounted fees and special services at each of these firms. We at Liberty Through Wealth are not brokers, dealers or licensed investment advisors. (We mention these individuals for information purposes only and do not receive compensation for any arrangement you may eventually reach with them.) In sum, managed accounts are an excellent choice for some investors. Others prefer to grow their own tomatoes. The two are not mutually exclusive. Many investors turn their serious money over to a pro and keep a smaller account on the side for trading and speculation. Either way, it never hurts to know your alternatives. Good investing, Alex [Leave a Comment]( [Who Can You Trust?]( [Click here]( to watch Alex's latest video update. For Alex's latest video updates, subscribe on [YouTube](. 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