Weather Market Volatility with Miramontes Capital’s Customized “Segmented Portfolio”

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Miramontes Capital, Costa Mesa retirement advisor, releases new tip sheet. Providing a detailed approach to minimizing unnecessary trading and maximizing portfolio stability.

Miramontes Capital Logo

Miramontes Capital Logo

Daily trading of an account [for generating income] doesn’t fit into the plan for stabilizing a portfolio.

In the wake of the past month’s unsteady world markets, Sid Miramontes of Miramontes Capital detailed his team’s strategy for designing portfolios with minimal risk of loss from volatility.

The single most important strategy when tempering a portfolio against fluctuations, according to Miramontes, is anticipating and preventing the need for stock trading for income generation. The team’s plan accomplishes this through a “segmented portfolio” characterized by the following preventative methods:

  • Three Months of Cash — To avoid unnecessary stock trading during short-term down turns, Miramontes Capital always ensures three months of liquid assets be available as a buffer.
  • Portfolio Stabilizers — During this time of rising interest rates, Miramontes advises investing in short-term bonds to provide a portfolio with long-term stability.
  • Dividend Mutual Funds — Miramontes explained the usefulness of funds which pay steady dividends. This provides clients with a source of steady income while increasing portfolio stability and minimizing the need for daily trading.
  • Attention to Sectors — Miramontes explained the importance of staying abreast of the markets in order to identify and invest where growth is most likely. His team identifies REITS, energy, tech, and pharmaceuticals as current areas with potential for growth.
  • Annuities for Added Security — Finally, the team outlined that certain clients may benefit from the added assurance of investment products, or annuities. This ensures that even serious and sustained market fluctuations won’t affect the principal that is invested in an annuity, protecting a client’s income and death benefits, enabling beneficiaries to fully benefit from their account.

“Daily trading of an account [for generating income] doesn’t fit into the plan for stabilizing a portfolio,” Miramontes explained. The team also emphasized that personalization is crucial for a successful portfolio, and that a long-term strategy with a segmented approach isolates volatility while allowing “us time to make a decision that best fits our clients’ needs.”

With a mission to help clients achieve their most meaningful lives, Miramontes highlighted that his approach has “always been a long-term one.”

About Miramontes Capital, Inc.
Sid Miramontes has worked in the financial sector since 1995. As a retirement planner, he has been able to assist more than 1400 people through the retirement planning process. He holds Series 7, 63, and 65 licenses, and both Life Insurance Licensure and Securities State Registration for California as well as more than a dozen other states. He holds a number of awards and distinctions, most notably making the annual Barron’s Top Financial Advisors list three times.

For more information, please visit
(800) 460-1595
(714) 782-0595

Advisory services are only offered to clients or prospective clients where Miramontes Capital and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. Mr. Miramontes is a registered representatives of Purshe Kaplan Sterling Investments, Inc., member FINRA/SIPC, and licensed insurance agent/broker. He may offer products and receive normal and customary commissions as a result of these transactions. A conflict of interest may arise as these commissionable securities sales may create an incentive to recommend products based on the compensation earned. In order to mitigate this potential conflict of interest, Mr. Miramontes will recommend products based solely on the client’s best interests.

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