(561) 241 - 6616

Raymond James Financial Services, Inc. Member FINRA/SIPC 

301 Yamato Rd. Ste. 3160 Boca Raton, FL 33431


Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC  Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations withintheir applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. http://www.raymondjames.com/privacy_security/privacy_notice.htm.

SmartVestor™ is an advertising service for investing professionals. Advertising fees are not connected to any commission, portfolio, service, product, or other service offered or rendered by any SmartVestor Pros. SmartVestor Pros are subject to initial vetting by Ramsey Solutions, and they affirm a Code of Conduct. SmartVestor Pros are not employees or agents of Ramsey Solutions. Neither Ramsey Solutions nor its affiliates are engaged in rendering investing or other professional advice. Ramsey Solutions does not receive, control, access, or monitor client funds, accounts, or portfolios. Ramsey Solutions does not warrant any services of SmartVestor Pros and makes no claim or promise of any result or success of retaining a SmartVestor Pro. Your use of SmartVestor, including the decision to retain the services of any SmartVestor Pro, is at your sole discretion and risk. Any services rendered by SmartVestor Pros you contact are solely that of the SmartVestor Pro. Raymond James Financial Services does not endorse and is not associated with Dave Ramsey or the SmartVestor program. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.


May 1, 2015


“Starting early and often,” is a great investment tip - however starting early may no longer be an option for our older clients who are just now beginning their retirement plan. Let’s take a look at how the same monthly investment can have a drastically different outcome for various time horizons. The following projections assume the same rate of return of 6% a year:


  • 35 year old investing $400.00/month = $402,248.08 at age 65

  • 45 year old investing $400.00/month = $187,165.10 at age 65

  • 55 year old investing $400.00/month = $67,063.89 at age 65


For investors in their 30s, your greatest asset is TIME. Starting early and often can make or break your future portfolio value. The biggest mistake I see investors in their 30s make is getting too hung up on chasing returns and trying to beat the market index. If you are a long term investor it is important to remember that it is not about TIMING the market, it’s about TIME-IN the market.


If you are in your 40s, don’t get discouraged if you haven’t started your retirement plan. Your time horizon may be shorter however starting now can still make a difference. To those individuals who have already started investing, it may be time to start considering the other aspects of your retirement plan, such as: Insurance Planning, Estate Planning, and College Planning. You are in the era of Review, make sure that you are on track in reference to your personal retirement goals and Adjust where necessary.


Hopefully, for those of you in your 50s you have established some sort of retirement plan. If not, it may be time to Double-Down. When I say double-down, I am not referring to the amount of risk you should be taking; instead I am referring to the dollar amount you should be investing into your retirement plan. Having a shorter time-horizon may mean less growth potential, however it also means that you will have access to your retirement assets sooner rather than later. If it was hard for you to part with your money for 30 years, then now there should be no excuse.


For those of you with established retirement accounts – take steps in order to Protect Your Assets. Strategies like Long Term Care and Estate Trust work can have a huge impact on protecting the assets that you have worked so hard to build-up. Furthermore, reassess your current investment strategies and asset allocation. Your risk profile may not be the same as it was in your 30s and if you haven’t reallocated your retirement accounts accordingly, then now would be the time to do so.


Joseph Carpenito

Financial Advisor

Raymond James Financial Services, Inc.



Opinions expressed in the attached article are those of the author and are not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. Investors may not make direct investments into any index. Past performance may not be indicative of future results



Please reload

Sign Up
Recent Posts
Please reload