Campbell Wealth March 2018

An Element of Risk 2 Types of Risks Influencing Your Portfolio

Everyone knows that investing comes with its share of risk. There is no investment strategy that is completely without some level of risk. However, during a bull market — particularly, a long-lasting bull market — it’s not uncommon for investors to become complacent and take on more risk. But what is risk? For most investors, there are two primary types: investment risk and inflation risk. INVESTMENT RISK This is the chance of losing principal, and it’s the kind of risk most people associate with financial investing. Most investments see variations in principal. Riskier, more volatile investments will often see greater variations, and they may even take a hit over a short amount of time. Seeing that day-to-day variation can be stressful for inexperienced investors. But over longer periods of time like months or years, those variations generally become less stressful. One way to mitigate the risk is to focus on investments that you’re guaranteed not to lose money on. For example, consider U.S. Treasury bonds and bills. When you purchase one or more, they have the credit of the U.S. to back them up, making them exceptionally safe. But when you mitigate risk, you mitigate reward. This is especially true when inflation is factored in.

INFLATION RISK Over time, inflation can eat away at your purchasing power. In short, your purchasing power is the equivalent of what goods and services your dollars are capable of buying. Once inflation is calculated in, the overall value of investments may be lower than anticipated. How can you take more control over your investments? Ideally, you want to invest in a mix of both stocks and bonds. This is why you hear so much about portfolio diversification. The goal is to manage risk without taking a major hit to the reward. No, you aren’t protected against any losses. But over an extended period of time, chances are much better you’ll come out on top. Patience is often rewarded.

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else to keep in mind is the food your eating. If you eat meat, whether it’s chicken or beef, or anything else, those lectins pass through to the meat. If a chicken is fed a diet of corn, that nutritional value is reflected in the nutritional value of the meat. One of the big takeaways from Dr. Gundry is that a diet high in greens — that includes salad — are ideal. He doesn’t quite fully advocate a vegetarian diet, but that is good direction to head in. I’ve been following a diet that takes Dr. Gundry’s advice to heart. It’s helped me lose body fat and it’s helped me simply feel better. If you haven’t read “The Plant Paradox,” I highly recommend it. It makes a great addition to your library and may leave you with a new perspective on what you put into your body. If you have any questions on this topic, or have any questions about retirement or investing, don’t hesitate to get in touch. At Campbell Wealth, just as your financial health is important, so is your personal health.

Zesty zucchini enchiladas

Ingredients • 4 large zucchini • 1 tablespoon olive oil or ghee

• 2 teaspoons cumin • 2 teaspoons chili powder • 3 cups cooked, shredded chicken • 2 cups shredded cheese

• 1 large onion, chopped • 2 cloves garlic, minced

Directions 1. Heat oven to 350 F. In a large skillet, heat oil. Add onion, garlic, cumin, chili powder, and salt to taste. Stir to combine. Add chicken and 1 cup enchilada sauce. 2. Use vegetable peeler to thinly slice zucchini. Lay out three slices, slightly overlapping, and spoon chicken mixture on top. Roll the zucchini “tortilla” and place on baking sheet. Repeat until all zucchini and chicken is used. 3. Cover the enchiladas with remaining sauce and sprinkle with cheese. Bake 20 minutes, and enjoy! Adapted from delish.com.

Kelly Campbell

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