Once clients have taken advantage of Morgan Keegan’s Financial Planning services, the firm offers a wealth of Investment Planning services that help them turn their well thought out financial plans into the right mix of investments to achieve their long-term investment goals. Some of the steps taken to transform a client’s financial plan into an investment reality are:
- Asset Allocation Studies
- Evaluation of Existing Assets
- Investment Recommendations
- Due Diligence
- Investment Proposals
Asset Allocation
The single most influential factor that determines whether an investor meets his or her investment goals is not selecting the best performing investments, but rather having the right mix of investments (stocks, bonds, etc.). Over long periods of time, it has been seen that similar types of investments display similar performance traits. Morgan Keegan specialists are familiar with these traits and can evaluate the overall mix of a client’s current investments to determine whether the allocation has the ability to meet long-term goals.
Due diligence specialists will take this evaluation to the next level by determining an optimal investment mix. Based on risk preferences, performance objectives, investment time horizon, and many other factors, an asset allocation is generated that provides the maximum returns for a desired level of risk based on historical averages.
Evaluation of Existing Investments
Trained Morgan Keegan professionals analyze the client’s existing investments alongside the financial plan. They will assess the quality of each investment and determine whether they are the most appropriate vehicles for executing the financial plan.
Investment Recommendations
Based on the results from the asset allocation study and the evaluation of current investments, Morgan Keegan specialists make specific investment recommendations. This involves the types of investments that are most appropriate for a particular client’s situation (annuities, mutual funds, money managers) as well as the individual investments within each type. Such recommendations are often a combination of a client’s existing holdings and investments that Morgan Keegan analysts view as superior.
Due Diligence
One of Morgan Keegan’s highest priorities is investment due diligence – the monitoring of investments to ensure they maintain their levels of excellence. This due diligence effort has resulted in internally published lists of highly regarded investments by investment type, and they are for the sole use of Morgan Keegan clients.
Investment Proposals
As any investor can see, there are a daunting number of investments available to choose from, and even more analytical information on each. Morgan Keegan’s specialists are able to sift through the multitudes, pare the information down to a manageable size, and present it in a manner that is easy to understand. Each client proposal is individually prepared, taking into consideration all information gathered during financial planning.
All investment products including mutual funds involve risk. Principal value and investment return will fluctuate, so an investor's shares/units, when redeemed, may be worth more or less than the original amount. A complete explanation of risks, charges and expenses may be found in the prospectus. Investors should carefully read and understand the information contained in the prospectus before investing or sending money.
