As the U.S. economy struggles and financial markets continue to twist and turn, many investors are taking a fresh look at their portfolios and asking themselves: Am I prepared for what’s ahead?
Actively managed mutual funds and passive, index-tracking strategies both appear to have lost some of the luster they gained over the decade-long bull market. Traditional approaches to diversification have largely failed to provide adequate downside protection, and sky-high inflation threatens to seriously erode future purchasing power. Investing for retirement has become especially problematic, as
evidenced by a spate of newly proposed 401(k) regulations aimed at encouraging workers to save more, along with warnings that it’s time to “crash proof” our retirement savings.