Don’t miss life watching the market.
Checking your portfolio all day won’t make better decisions. A disciplined, rules-based process decides when to hold, when to sell and when to buy, so emotion doesn’t get a vote and you don’t have to keep one eye on the market.
WHY IT MATTERS
Watching more doesn’t mean deciding better.
Constantly checking the market tends to feed the most expensive habits in investing. The closer you get to retirement, the more those emotional decisions can cost, because there’s less time to recover.
Panic selling
Turning a temporary drop into a permanent loss.
Chasing
Buying what’s already run up the most.
Freezing
Waiting “just a little longer” to act.
Trading the headlines
Letting the news cycle drive decisions.
The math of getting back to even
IF A PORTFOLIO FALLS BY IT
NEEDS THIS GAIN TO RECOVER
10%11%
20%25%
30%43%
40%67%
50%100%
Simple arithmetic, shown for illustration only. Figures rounded. Does not reflect any actual investment or Market Guard® portfolio.
THE THREE DECISIONS
Every day, your portfolio is making one of three choices.
HOLD
Stay put when there’s no signal.
Holding should be a conclusion backed by analysis, not paralysis.
SELL
Act before losses compound.
A disciplined process decides not just whether to sell, but how much, in an effort to help manage unnecessary losses and volatility.
BUY
Invest when conditions signal.
Decisions based on data, not on the mood of the headlines.
The question is: What’s driving those choices in your portfolio: a process, or a feeling?
FREE DOWNLOAD
The Retirement Readiness Playbook
A 10-minute read that shows how disciplined investors take emotion out of the decision.
- The four emotional habits that quietly cost investors the most
- Why a loss hurts more as retirement gets closer, with the simple math behind it
- How a rules-based process approaches every hold, sell and buy decision
- How Market Guard® applies a non-emotional, methodical, mathematical approach
- Where you stand today, with a quick 6-question self-check
Get the free Retirement Risk Checklist
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HOW IT WORKS
Signals from Market Guard®. Guidance from your advisor.
Market Guard® generates investment signals and allocation recommendations for a family of model portfolios, from ETF and individual stock portfolios to an Income Portfolio designed for those who prioritize steady monthly income and stability. Retire Ready Financial Group gets to know your goals, your timeline and your comfort with risk, then determines whether and how a strategy fits you.
Choose how much movement you want: Static, Target or Dynamic allocation approaches are available.
NON-EMOTIONAL
Decisions follow signals, not headlines, fear or excitement.
METHODICAL
The same disciplined process in rising and falling markets.
MATHEMATICAL
Quantitative analysis drives each hold, sell or buy signal.
FREE 15-MINUTE WALKTHROUGH
Spend 15 minutes now, so you can spend less time watching later.
Bring your self-check score and your questions. We’ll walk through how your current portfolio handles the hold, sell and buy decisions, and what a rules-based process could look like for your retirement timeline.
15 minutes. No pressure. No obligation.
Questions
Is the playbook really free?
Yes. It’s yours to keep, with no obligation.
Do I need to be retired to benefit?
No. The playbook covers three stages: still building, getting close, and already drawing income.
What happens on the walkthrough?
A short conversation about your goals and how your current approach makes decisions. It’s educational, and there’s no pressure to change anything.
Who is Market Guard®?
Market Guard® provides investment signals and model portfolio recommendations. Your advisor at Retire Ready Financial Group determines whether a strategy is appropriate for you.