Sherika Ralliford

𝗪𝗵𝗮𝘁 𝘄𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗱𝗼 𝗶𝗻 𝘁𝗵𝗶𝘀 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻?

A colleague of mine had an interesting chat earlier this year with someone who owned a large amount of Intel stock—about $4 million worth. This person was confident. They were holding out for Intel to hit $50 a share, and when it did, they planned to sell and reduce the risk in their portfolio.

But my colleague suggested something a little different—a strategy that would allow them to hold onto Intel's upside potential while protecting $3.4 million if things didn’t go as planned in the market.

They decided to pass on the idea. Fast forward a few months, and by July, their portfolio had already dropped 21%. By August, that $4 million had shrunk to less than $1.8 million—a 56% decline.

One simple strategy could have limited the loss to just 15%.

𝗦𝗼, 𝘄𝗵𝗮𝘁 𝘄𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗱𝗼𝗻𝗲? Would you have waited it out or explored ways to protect your portfolio? If retirement was around the corner, would you be okay with that level of risk?

I’d love to hear your thoughts in the comments—how do you handle risk when it comes to your investments? Let’s chat 👇👇👇👇!

Live Long and … Prosper? There's a Retirement Savings Disconnect for Many Americans barrons.com

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