No Stock Market Risk Retirement
Imagine making money, whether the stock market is up, down, or flat…
We do not sell securities including stocks, bonds or mutual funds, and do not offer these products. We offer Non-Correlated Products and Alternative Asset Classes. The thrust of our business consists of products which, for the most part, are not influenced directly by the stock market.
As a company, we have chosen to forfeit our SEC license, as we feel there are alternative products and modern financial products which could serve the needs of the educated average Main Street investor. We are not saying the market is void of opportunities. Millions have been able to retire because of the stock market, and many have and will continue to become wealthy because of their market driven investments. Dantin Financial was formed to help take the stock market risk out of retirement planning. One of our goals is to help delete emotion, while injecting some common sense and business savvy into the process.
Personally taking control and planning for one’s retirement is the first step toward achieving peace of mind. Your friends and family won’t do it for you, you can’t or shouldn’t depend on your employer, it isn’t the government’s responsibility, and everyone should realize that Social Security will not be of much help.
We recognize the need for clear and understandable information, and strive to provide the educated average investor with up to date information and sound programs. Many of which, until recent years, have only been available to large and institutional investors.
We offer information concerning alternative products to help you make informed and educated decisions about consistently growing your retirement accounts.
Modern Portfolio Theory = Nobel Prize in 1990
In 1956, Harry Markowitz theorized that high-yields could be achieved with low-risk in a portfolio of various non-correlated investments. In 1990, he was awarded a Nobel Prize for his Modern Portfolio Theory.
Throughout the last 50 years, proper utilization of the Modern Portfolio Theory has achieved consistent double-digit annual returns for affluent individuals and organizations
U.S. University Endowment Funds, such as Harvard and Yale, have been leaders in diversified multi-asset class investing for decades. Through large exposure to alternative asset classes outside of the traditional stock and bond markets, they have consistently achieved attractive annual returns with moderate risk and low volatility. For example, even in the face of the 2008 financial meltdown, for the 10 year period ending June 2013 the annualized returns for Harvard and Yale were 9.4% and 11% respectively, 60-75% greater than the returns of a traditional US equity/bond portfolio (i.e. consisting of 60% stocks and 40% bonds) and 32-55% greater than the S&P.
The investment philosophy of these successful investors is simple-diversification. The top 20 Endowment Funds, which include Harvard and Yale, hold only 40% of their portfolio in traditional assets (equities, bonds and cash), with the remainder in alternative assets. Diversification, the principal tenant of Modern Portfolio theory employed vigorously by Harvard and Yale and their high priced Investment Advisors, demonstrates that the risk adjusted returns of an investment portfolio are improved through diversification across assets with varying correlations.
Until recently, the Modern Portfolio Theory has primarily been utilized by wealthy individuals and organizations, due to the large amount of capital required to get involved. This is changing, as some non-correlated products are being fractionalized, therefore allowing educated average investors to take part without going through the market ups and downs.
In fact, whether the markets go up, down, or sideways, investors who have products with no stock market risk, have consistently experienced above average returns.
No one can accurately call the top of the market or bottom of the stock market. The stock market is guaranteed to do two things: go up and go down, and no one can tell you when either will happen.
The Securities Exchange Commission is a government agency created for the protection of investors. The SEC is in charge of keeping an eye on Wall Street’s activities, and basically regulating much of the financial world. Unfortunately, they can’t be everywhere, see everything and protect every investor, regardless of how hard they try.
If you consider a few basics while going through your decision making process, your odds for success should increase!
Our Cardinal Rule: Do not make a decision concerning any product until you are aware of all the pros and cons, and you completely understand how the product works.
Our philosophy includes THREE basic principles.
These principles, including our Cardinal Rule, have worked for us and we’ve designed our business around them.
1.) Use products with no annual management fees to the financial consultant
2.) Use products with lowered principal risk through forms of collateral
3.) We educate our clients; we do not advise. The decision is yours to make (you direct your funds)
The good news is that there are superior products available