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The Top Three Reasons Why You Should Invest

When I was a competitive bodybuilder, I developed several skills that enabled me to be successful. I had to research and plan my workouts, set goals, hit the gym and eat a healthy diet every day, and monitor my progress. Now that I am an investment advisor, those same skills I used in bodybuilding also help me be a successful investor. Good investing takes consistent planning, research, and monitoring. While bodybuilding may not be for everyone, I am a firm believer that investing is, and here's why:

  1. Investing helps you achieve your life goals. Whether your goal is to buy a house or save for your children's college fund or your retirement, you must have a certain amount of wealth. Unless you win the lottery, the best way to achieve that wealth is to invest wisely and watch your money grow over time.
  2. Investing helps you beat inflation. You may be wondering why putting your money in a savings account isn't enough to help you reach your goals. The answer is one word: inflation. Inflation makes everything you purchase more expensive every year. Cars, houses, diapers, dog food, everything! And, it has historically increased about 3% every year. That means if you are saving your money in a savings account earning less than 1%, you are getting further from achieving your financial goals every day. It's like taking one step forward and two steps back and watching your financial goals become more distant. On the other hand, if you invested and earned returns of 7%, that not only offsets inflation but earns 4% on top of that!
  3. Investing helps you find "free" money. For example, some employers offer matching contributions if you invest in your company's 401(k) plan. If your employer offers that, and you do not contribute enough to get the full matching contribution, you are literally turning down free money! Even if your employer does not offer a matching contribution, there are other ways to get the free money. Anyone with earned income can invest a certain amount in a Roth IRA every year. By doing so, you are setting up an account that will grow without the earnings being taxed. Compared to a typical investment in which you must pay taxes on your earnings, you are getting free money! These are just a couple ways that investing is like finding a $20 bill on the sidewalk – there are more, and I would be happy to tell you about them.
Fortunately, you don't have to be able to bench press your weight to be good at investing. But, like bodybuilding, investing does require you to do something, and the sooner the better. And, if you need help or don't know how to get started, I am here to do the heavy lifting for you.

If you have any questions about investing or are wondering how you can get started, I would be happy to meet with you for a no-cost consultation. You can e-mail me at gleest@wtwealthmanagement.com or call (928) 225-2474.

Sincerely,
Glenn Leest

Gleen Leest

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There are no warranties implied.
Any opinions expressed on this website are the opinions of WT Wealth Management and its associates only. Material listed on this website is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. You should always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETF’s carry certain specific risks and part or all of your account value can be lost.

At WT Wealth Management we strongly suggest having a personal financial plan in place before making any investment decisions including understanding your personal risk tolerance and having clearly outlined investment objectives.

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WT Wealth Management is an SEC registered investment adviser, with in excess of $100 million in assets under management (AUM) with offices in Flagstaff, Scottsdale, Sedona and Tucson, AZ along with Jackson Hole, WY and Las Vegas, NV. WT Wealth Management is a manager of Separately Managed Accounts (SMAs). With SMAs, performance can vary widely from investor to investor as each portfolio is individually constructed and managed. Asset allocation weightings are determined based on a wide array of economic and market conditions the day the funds are invested. In an SMA, each investor may own individual Exchange Traded Funds (ETFs), individual equities or mutual funds. As the manager we have the freedom and flexibility to tailor the portfolio to address an individual investor's personal risk tolerance and investment objectives – thus making the account “separate” and distinct from all others we manage. An investment with WT Wealth Management is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Any opinions expressed are the opinions of WT Wealth Management and its associates only. Information offered is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. Always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETFs carries certain specific risks and part or all of an account's value can be lost. In addition to the normal risks associated with investing, narrowly focused investments, investments in smaller companies, sector and/or thematic ETFs and investments in single countries typically exhibit higher volatility. International, Emerging Market and Frontier Market ETFs, mutual funds and individual securities may involve risk of capital loss from unfavorable fluctuations in currency values, from differences in generally accepted accounting principles or from economic or political instability that other nations experience. Individual bonds, bond mutual funds and bond ETFs will typically decrease in value as interest rates rise. A portion of a municipal bond fund's income may be subject to federal or state income taxes or the alternative minimum tax. Capital gains (short and long-term), if any, are subject to capital gains tax. Diversification and asset allocation may not protect against market risk or investment losses. At WT Wealth Management, we strongly suggest having a personal financial plan in place before making any investment decisions including understanding personal risk tolerance, having clearly outlined investment objectives and a clearly defined investment time horizon. WT Wealth Management may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. WT Wealth Management's website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of WT Wealth Management's website should not be construed by any consumer and/or prospective client as WT Wealth Management's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by WT Wealth Management with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of WT Wealth Management's current written disclosure statement discussing WT Wealth Management's registrations, business operations, services, and fees is available at the SEC's investment adviser public information website (www. adviserinfo.sec.gov) or from WT Wealth Management directly. WT Wealth Management does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to WT Wealth Management's web site or incorporated therein, and takes no responsibility therefor. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.

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