How to Stress Test Your Financial Plan

Retirement Talk Podcast with Laura Stover

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12M ago 31:50

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No one can predict the future of finance, so how do you make sure your portfolio is able to withstand the inevitable swings in the market? The answer is through stress testing, which has proven to be a valuable tool in financial planning.

In this episode, Laura Stover, RFC® and Michael Wallin, CFP® will walk you through how a portfolio is stress tested and explain what it’s trying to accomplish. The goal is to find out whether you have the most efficient portfolio possible that can give you the most amount of return, with the least amount of risk exposure, and we’ll break down how that’s done.

The planning process is often more important than the plan itself and this is a key part of that process. By evaluating the different planning strategies and testing them against the stresses of the market, you’re better able to segregate and segment the assets in your portfolio to provide the income, growth and other elements necessary for financial security.

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Timestamps (show notes):

5:52 – What exactly is a stress test?

8:59 – How this ties into segmentation

15:42 – The importance of understanding your cash needs

19:59 – Running an analysis based on portfolio design

25:34 – Why planning is more important than the plan

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