Wills, Trusts & Estates Prof Blog

Editor: Gerry W. Beyer
Texas Tech Univ. School of Law

Monday, August 5, 2013

Experts Say Think Holistically with Your Retirement Investments

AccountingThe key to managing all of your retirement investment accounts is to use a holistic approach. Financial advisor Scott Holsopple, says " All of your accounts need to be working together and working toward the goals you set." Only 27 % of investors examine all of their assets to develop a "master asset allocation" plan according to Financial Finesse. Managing assets holistically means applying your asset allocation plan, which identifies how much funding you, want in stocks, bonds, and other investment vehicles.

Experts are recommending that investors should invest in each asset class in the investment vehicle offering the most tax efficiency instead of duplicating your asset plan in each investment vehicle. Choosing the right asset location can result in different returns on different accounts. However, thinking of your retirement investments holistically maximizes the overall portfolio earning the investor the highest potential returns. Advisors also suggest it is a good idea to look at the entire portfolio when rebalancing the assets. 

See Andrea Coombes Multiple Retirement Accounts? Think Holistically., Wall Street Journal,  Aug. 2, 2013.

Special thanks to Brian Cohan (Attorney at Law, Law Offices of Brian J. Cohan, P.C.) for bringing this article to my attention.


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