We believe there is a safer way to manage your money that allows you to both participate in the full growth of the market while protecting yourself from a devastating market loss.
People often believe that you either have to choose growth or protection. But actually that is not true and in fact you can have both. We maximize the full growth of the stock market while guarding against life altering losses.
At Fearless Wealth, we operate
by Three Core Principles:
Eliminate Over-Diversification And Have Better Results
We believe almost all investors have been taught to be over-diversified, even those who think they aren't. The problem is that an over-diversified portfolio doesn't actually grow your money better in bull markets, nor does it protect your money better in bear markets.
An over-diversified portfolio creates complexity, complication, and confusion for you. Your money is not safer, nor is it growing better. You, the investor, literally just owns more symbols. We think that is a problem. There's a better way.
Own The Unbeatable Index And Maximize Performance
There are two indexes that are nearly impossible to beat over any seven-year rolling period. Literally, nearly all investors (professional or novice) cannot outperform these two unbeatable indexes overtime.
We believe investors should take advantage and own what no one can beat as a foundational position. There's a better way.
Implement Market-Based Rebalancing And Sleep Better
We want to know your tolerance to losses and what income you will want /need from your money. And we believe the market is better at telling us how long and how much you should be allocated to the market.
Most would agree that being heavily invested in bonds during a long-term bull market does not maximize your performance. And nor would someone want to be fully exposed to the stock market during long bear markets. There's a better way.
DOT COM CRASH
(2000-2002, Peak to Trough)
GLOBAL FINANCIAL CRISIS
(2007-2009, Peak to Trough)
Bear Market Performance Numbers...
As shown in the above bear market performance numbers we limited our clients downside losses. So how did we do that? We eliminated over-diversification. We owned the unbeatable index as a core position. And we implemented our ‘market-based rebalancing’ approach to guard against the impact of large market falls.
There’s a better way.
How Our Approach Performed During
The Long Term Bull Market (2009 to 2019):
Bull Market Performance Numbers...
We eliminated over-diversification. We owned the unbeatable index as a core position. And we implemented our ‘market-based rebalancing’ approach which allowed us to maximize the full power of this bull market.
1st = We guarded against major stock market losses.
2nd = We fully leverage the power of each bull market.
Example:
$1MM portfolio losses 19% (Fearless Wealth '08) = $810k
To break even this account needs to grow 23% or needs 27 months of gains*.
But if $1MM portfolio losses 55% (Nasdaq100 '08) = $450k
To break even this account needs to grow 123% or needs 144 months of gains*. Nearly five times longer to just get back to breakeven.
*The average long-term stock market gain is 10% a year.
There's a better way.
Could your money be working harder for you without added risk?
You might be surprised.
Fearless Wealth is a trade name for Peck Wealth Management, LLC.
Investment Advisory Services offered through Peck Wealth Management, LLC. A Washington State & California State Registered Investment Advisor. Access to Peck Wealth Management, LLC is only available to Peck Wealth Management, LLC clients pursuant to a signed investment advisory agreement and acceptance of our Client Relationship Summary and Brochure (Form ADV, Parts 2A, and 2B). Clients are encouraged to read these documents carefully. All investments involve risk and may lose money. Peck Wealth Management, LLC does not guarantee the results of any of its advice or account management. Past performance is no guarantee of future results. Each Personal Portfolio is subject to an account minimum, which varies based on the strategies included in the portfolio. Peck Wealth Management, LLC retains the right to revise or modify portfolios or strategies if it believes that such modifications would be in the best interest of its clients.
Research Letter Services offered through Fearless Wealth Publishing, Inc. an S-Corp registered in Washington State, which is owned by RC Peck. Fearless Wealth Publishing provides investment information, ideas, and opinions based on technical investing and what we've learned as financial observers. Any views expressed about the markets or individual stocks or sectors are provided for information purposes only and should not be construed in any way as an offer, an endorsement, or inducement to invest and is not in any way a testimony of, or associated with Peck Wealth Management, LLC.
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