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WH Cornerstone Investments Newsletter
Working with you to achieve a future that is greater than your past
Greetings!
An investment policy statement (IPS) provides the
foundation for all future investment decisions to be
made by an investor. It serves as a guidepost,
identifies goals and creates a systematic review
process. The IPS is intended to keep investors
focused on their objectives during short-term swings
in the market and provides a baseline from which to
monitor investment performance of the overall
portfolio, as well as the performance of individual
money managers. An IPS outlines the ground rules of
the relationship between the advisor and client. With
the IPS, the client can expect to have information
prepared that will clearly show them whether or not
their investment portfolios are achieving their stated
goals and objectives. In addition, proposed changes
to the investment plan can be evaluated and
reviewed against the strategic policy.
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The best retirement plan...is simple
It's easier than ever to get into 'sophisticated' investment vehicles. There's a better way to secure your retirement.
With the market struggling to eke out even meager
gains this year, you may be tempted to look beyond
traditional investments for something, anything, to
fatten up your retirement account.
10 frugal cooking tips that sizzle
If you cook, you're already saving money. That $10
to $20 you'd fork over for an entree can fund several
homemade meals for a single person or feed the
whole family, depending on the size of everyone's
appetite. Kudos to you for getting more greens for
your green.
10 common car-buying mistakes
Mistakes to realize and avoid before setting foot in a dealer showroom.
Buying a new car can be exciting. But it's also a
complex process through which you can end up
overpaying by hundreds or thousands of dollars or
with a vehicle that you won't be happy with down
the road. Below are 10 mistakes that car buyers
often make that can quickly turn that initial
excitement into buyer remorse—and how to avoid
them.
Spend your golden years at work
Not too long ago, the concepts "retirement" and "work" were basically opposites. Now they're starting to merge.
On my desk is a pile of recent surveys and studies
that purport to be about retirement. Yet when I open
them up and actually read them, the main issue they
seem to address is working - "in retirement.
Seven reasons to love pension reform
Summer break is over, and the kids are back to
school. Amazingly, while we were all out enjoying the
sunshine, the government did some serious work on a
bipartisan level to protect our pension plans and
make it easier to save for retirement.
The buddy system
Tips for connecting with your sommelier
A good sommelier can be a diner's best buddy: A well-
chosen wine, after all, can transform a great meal
into an unforgettable dining experience. But there's
plenty of room for misunderstandings and hurt
feelings. Here, consumers and sommeliers share tips
for making this potentially tricky relationship work.
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