The principal factor of long-term investment returns is not investment performance, but investor behavior.
At Garrison Financial we believe that investor behavior is paramount due to the comparison of the thirty-year average rate of return between the S&P 500 and the average return realized by the investor.
For the 30 years from 1984 through 2014 the comparison completed by DALBAR.
S&P 500: 11.06%
Average Equity Fund Investor: 3.79%
For the 20 years from 1994 through 2014 the comparison completed by DALBAR.
S&P 500: 9.85%
Average Equity Fund Investor: 5.19%
Certainly, these figures fluctuate depending on the intervals researched. However, the fact remains that the typical investor consistently manages to obtain much less than the return of the index. This means that typical investor is often underperforming their own investments!
How does someone underperform their own assets? The simple answer is behavior.
The more complex answer is that the average investor typically makes the wrong decision at the wrong time.
Consequently, Ryan's value to you, his clients, is as a behavioral investment counselor. And as a counselor Ryan helps you make the right decisions at the right times.
In order to help you make these decisions, Ryan creates a comprehensive financial plan via cutting edge software. But, before developing a client’s financial plan, Ryan strives to build genuine friendships. By forging past the standard advisor/client relationship, he is able to understand his clients on a personal level. This allows Ryan to fully evaluate your current situation, and work with you to design a financial plan to meet your unique needs.
Ryan often speaks with clients for months before recommending services and products. His goal is to become your most trusted financial adviser.
Ryan hosts more than a dozen educational seminars a year and would be happy to meet with you individually to discuss your personal situation. Call us now and experience the difference at (480) 999-2799.
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