Protecting Your Future, Honoring Your Past
William's existing portfolio, while substantial, was heavily weighted towards high-growth stocks recommended years ago, before his risk tolerance shifted after his wife's passing. This aggressive allocation, reflected in a high portfolio beta, exposed him to significant downside risk, jeopardizing the stability of his income stream and the planned charitable contributions he intended to make from his estate. His outdated trust lacked the flexibility needed to adapt to his changing circumstances and philanthropic aspirations.
Using Golden Door Asset's Portfolio Beta Calculator, we quantified the risk in William's portfolio, revealing a beta of 1.3, significantly higher than his desired level. We then restructured his investments, diversifying into lower-beta assets like municipal bonds and dividend-paying stocks, reducing the portfolio beta to a more manageable 0.8. This adjustment better aligned with his risk tolerance, protecting his assets and ensuring consistent funding for his planned charitable donations.
The Portfolio Beta Calculator aggregated the betas of individual assets within William's portfolio to calculate the weighted average beta. This data informed asset allocation decisions to lower the overall portfolio risk exposure.
$35,000 in reduced annual portfolio volatility, protecting William’s assets and charitable giving goals.
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