Managing risk while funding college and retirement.
With a combined income of $450,000 and $2.1 million in retirement accounts, the Johnsons were concerned about market volatility impacting their ability to fund college for three children and maintain their retirement goals. Their current portfolio had a beta of 1.2, indicating higher volatility than the overall market, causing undue stress and potential risk to their financial future.
Using the Beta Stock Calculator, we identified high-beta stocks in the Johnsons' portfolio. We then used the Tax Equivalent Yield calculator to find optimal tax-advantaged replacements, and further refined asset allocations using the Debt to Asset Ratio calculator to ensure long-term sustainability. This allowed us to strategically reallocate assets, reducing the portfolio's beta from 1.2 to a more comfortable 0.8.
The Beta Stock Calculator was used to analyze individual stock betas, combined with portfolio weighting to calculate the overall portfolio beta. Rebalancing involved selling high-beta stocks and purchasing lower-beta alternatives with comparable expected returns, considering tax implications using the Tax Equivalent Yield calculator.
$37,000 estimated savings over 10 years by avoiding potential market downturn losses with the reduced beta. This translates to more secure college funding and a more stable retirement plan.
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