Your ROI Financial Plan includes clear investment recommendations tailored to your goals. We’ll consider your time horizon, which means how long your money has to grow, your risk tolerance, and your projected cash flow. Together, we’ll outline smart investment strategies for you. After we explain all your options, you’ll be ready to make informed choices and implement the options you approve. Going forward, you can adjust your portfolio on your own as needed, or turn to ROI for professional portfolio management—the choice is yours.
U.S. households invest in the stock market
average age Gen Z began investing
of day traders quit within 2 years
Sources: Schwab, Tradeciety
Investment Strategy Services
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Frequently asked qustions about investment strategy
Absolutely! Starting early gives you the advantage of time—your money has more years to grow through compounding. Even a simple strategy focused on steady contributions and long-term growth can make a big difference by the time you reach retirement. At ROI, we always say it's never too soon–or too late–to take a step toward your dreams.
Employer stock options can be a great benefit, but relying too heavily on one company ties your financial future to a single source of risk. A broader investment strategy helps diversify your wealth, so your portfolio isn’t dependent on your employer’s performance.
There is also a tendency for people to devalue or overvalue an employer's stock based on the connection you have to your job. Stock options are potentially a great way to seed your future financial freedom, but they shouldn't be your only plan.
Target Date Funds and asset allocation mutual funds offer preset mixes of investments that adjust over time. These can be useful but are “one-size-fits-all.” At ROI, your strategy is built specifically for your goals, values, risk tolerance, and life circumstances—and adjusted as those evolve.
Part of getting to know you is understanding your values, and helping you stay true to those values in your financial decisions. For example, if you don’t want to be invested in fossil fuel companies, we will balance your portfolio with more acceptable energy sector investments, or stay out of energy altogether.