Retirement Plan Analysis

Long-term return averages don’t capture the concept of investment risk.  Markets do not behave in a straight-line, deterministic manner.  However, using sophisticated mathematical models, Dopkins can perform thousands of investment return simulations to assess the impact that market volatility, longevity, inflation, asset allocation, health care expenses, taxes, and withdrawal rates have on an investor’s portfolio. We can help you achieve your financial objectives by determining probability levels.

Investment returns are ONLY HALF of the equation when determining future growth values of a portfolio. The markets do not work in a straight-line fashion. Volatility within a long-term investment portfolio is the other critical component when assessing investment strategies. “If your portfolio losses 25% in one year, it must gain 33% the next year just to break even.” Using sophisticated mathematical models our analysis program can run thousands of “what-if” scenarios like this to produce probability levels of attaining future goals.

Furthermore, events like periodic withdrawals, tax rates, management expenses, inflation and portfolio diversification all contribute to total return variances. These factors can be inserted into our analysis program to better help you manage uncertainty while providing a probability level of attaining financial goals.

For more information, please contact Steve Studley or Greg Urban

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