Consider this example:
You have a $500,000 investment portfolio and pay your advisor and fund company an annual fee of 1.35% which is $6,750. What value are you receiving in return?
Now imagine your portfolio drops 15%, reducing its’ value to $425,000—a loss of $75,000. How long would it take, and at what rate of return, to recover to $500,000 while you continue paying 1.35% in fees?
Now consider a portfolio with no fees and a loss buffer that offsets that 15% decline, while also saving you thousands of dollars in annual fees. Instead of working to recover to $500,000, you are already there. You have not lost money, and without fees, all of your money continues working for you.
This is not an offer or solicitation and is a hypothetical example for illustrative purposes only and does not represent the actual results of any particular financial product. It is a reminder that math may matter more than you think. It is not just about what you earn—it is about what you keep.
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