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Sharing current views and opinions showcases the thought leadership we bring to our clients.

CIP Quips

Too Conservative?

What’s in the news:

Startling statistics from the March edition of the Employee Benefit Research Institute’s survey:

  • 50% of American workers reported to have less than $25,000 saved for retirement
  • 18% of American workers feel very confident about retiring, and six out of ten American workers feel very or somewhat confident about having enough money to retire comfortably
  • Amongst the already retired, 79% were very or somewhat confident about having enough money to live comfortably in their retired years

So if American workers are aware of their need to save more, how come they are not doing so?

According to a report from Wells Fargo, American workers “have an investment strategy that's too conservative" and 59% of Americans are more concerned about avoiding loss than maximizing the growth of their retirement investments.

What are we thinking?

Volatility in the capital markets can be a cause for concern, but the stress should not be at the expense of preparing for a comfortable retirement.  Making informed decisions on what retirement savings route is best for you or your clients should be addressed sooner rather than later to help reduce the impact of market dips in the long-term. 

At Roosevelt we believe our Current Income Portfolio is an investment strategy suitable for most savers, not just retirees or those soon approaching retirement but also for younger investors who can take advantage of the compounding interest gained, which when reinvested could get more dramatic as time goes by. 



This information is intended solely to report on investment strategies and opportunities identified by Roosevelt. Opinions and estimates offered constitute our judgment and are subject to change without notice, as are statements of financial market trends, which are based on current market conditions. This material is not intended as an offer or solicitation to buy, hold or sell any financial instrument. References to specific securities and their issuers are for illustrative purposes only and are not intended to be, and should not be interpreted as, recommendations to purchase or sell such securities. Please contact us at 646-452-6700 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions, or if you would like to request a copy of our Code of Ethics. Our current disclosure statement is set forth on our Form ADV Part II, available for your review upon request, and on our website, www.rooseveltinvestments.com.

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The Roosevelt Investment Group, Inc. is an independent investment management firm that is not affiliated with any parent organization. The Roosevelt Investment Group, Inc. manages domestic equity, international equity, domestic fixed income, global fixed income, and balanced assets for primarily U.S. clients. The Roosevelt Investment Group, Inc. is an investment adviser registered with the U.S. Securities and Exchange Commission and notice filed in all 50 states.

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