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Mason City (641)423-1600 Change Location

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Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel. (641)423-1600

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Friday: 9:00am - 5:00pm
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  • Charles City Branch
    300 North Main Street
    Charles City, IA 50616

  • Clarion Branch
    315 Central Avenue East
    Clarion, IA 50525

  • Kanawha Branch
    220 North Main Street
    Kanawha, IA 50447

  • Mason City State Street Branch
    33 East State Street
    Mason City, IA 50401

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    2601 4th Street SW
    Mason City, IA 50401

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    730 Forest Ave East
    Mora, MN 55051

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    124 West Main Street
    New Hampton, IA 50659

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    501 Main Street
    Osage, IA 50461

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Home Blog Crafting Your Investment Strategy

Crafting Your Investment Strategy

 

Our vision at First Citizens Bank is to inspire financial well-being for everyone.  We use the term “financial well-being” to refer to your comprehensive financial health.   Part of financial health includes having a strong investment strategy.  In this blog post, we will discuss how we utilize a tool call Riskalyze to capture a client’s Risk Number® and engineer a portfolio to fit into an overall investment strategy. 

You may be familiar with the outdated approaches to assessing investment risk that have dominated the industry for decades.  The old way of assessing risk, stereotyping investors with subjective semantics, simply doesn’t work.  The words “moderately conservative investing” likely means something different depending on who you are talking to, and a person’s age doesn’t always determine those factors anyway. Instead, we utilize a Risk Number®, built upon a Nobel Prize-winning framework.  

A Risk Number® can be anywhere from 1 to 99.  Instead of a subjective label, this is a quantitative method for pinpointing the amount of risk you currently have in your portfolio and the amount you need to reach your goals (1 being keeping money under the mattress and 99 meaning everything is an aggressive stock). 

With this tool, we’ll generate a real-time, plug-and-play retirement map to visualize the probability of success in the future. We’ll make sure your Risk Number® and savings plan align with what you’ll need in order to reach your goals. 


How Much Risk Should You Have?

We'll use all these factors to build an optimized portfolio that fits your risk tolerance and goals. We can then stress test your new portfolio, discuss your 95% probability range, and set expectations for the future!

 

Want to learn more? Click here to learn you Risk Number® today.  Interested in understanding the true Risk of your current portfolio?  Email us at wealth@myfcb.bank to set up a complimentary consultation.   

Products provided by First Citizens Wealth Management are not insured by the FDIC, are not deposits of the bank and are not guaranteed by this institution; and, are subject to investment risks, including possible loss of the principal invested. Please note that neither First Citizens Bank nor the First Citizens Wealth Management Department provide tax or legal advice.

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