AAII Silicon Valley Chapter Presents Four Speakers on Income Investing:

Smart Investing: Seeking Reward While Reducing Risk

Speaker: Charles Rotblut, CFA, Vice President and AAII Journal Editor  American Association of Individual Investors

Maximizing the potential for reward is about identifying attractive investments and prudently managing your portfolio. Reducing risk is about limiting behavioral errors and avoiding investments with a greater likelihood of decreasing in price. AAII Journal Editor Charles Rotblut gives you actionable strategies for striking a prosperous balance between reward and risk

Attend This Meeting to Learn:

• Why rebalancing maintains the benefits of diversification and lowers portfolio risk

• The importance of sell rules and maintaining an investment diary

• How to analyze stocks and why dividends matter

Charles Rotblut is a vice president with the American Association of Individual Investors. He is the editor of the AAII Journal, co-created AAII Dividend Investing, helps to manage the Stock Superstars portfolio and authors the weekly AAII Investor Update newsletter. Charles’s commentary has been published on CNBC.com, Forbes.com and in SFO Magazine. His book, Better Good than Lucky: How Savvy Investors Create Fortune with the Risk-Reward Ratio, was published in November 2010.

A Chartered Financial Analyst, Rotblut has analyzed both publicly-traded and privately-held companies. His experience includes working for Zacks Investment Research, an investment research firm; INVESTools, an investment education company; Curian Capital, a money management firm; and McClure, Schumacher & Associates, a business valuation firm.

Charles is a frequent guest expert on The Wall Street Journal Radio Network and Canada’s Business News Network and quoted by Marketwatch.com, Reuters, SmartMoney and other financial websites, he has also appeared on Bloomberg Television, CNBC, and Fox Business.

Investing in Bonds - Potential Risks and Rewards

Speaker: Steve Younes, Fixed Income Market Director - Northern California,  Charles Schwab

Concerned about the bond market and how it might impact your portfolio? Do you want to become a savvier bond investor? Learn about the structure of the bond market, sophisticated investing strategies and tools to help you build a sound portfolio. 

Attend This Meeting to Learn:

• About the bond market
• Learn how bonds may fit into your income portfolio

Steve Younes is a market director of fixed income overseeing the Northern California region. He educates financial consultants, clients and prospective clients about fixed income investing and the unique resources available at Charles Schwab.

Younes has been at Schwab since February 1992 and has worked in the fixed income division for the past 17 years. He has been an active participant within the fixed income management team for the past 10 years, most recently as the director of sales for the California region, whose hub is located in Denver, Colorado.

Younes earned his bachelor’s degree from University of Arizona, with a focus in Political Science and Economics.

Niche for an Individual Investor – Low Risk Muni Bond Strategy

Speaker: Roddy Sloss, Individual Investor

An individual investor is usually at a disadvantage to a professional investor as measured by access to securities, information flow, and analysis.  In the secondary California muni bond market, the individual investor has an advantage.  The advantage translates into superior returns compared to mutual funds with similar criteria because the individual investor:  1. Can buy and hold, 2. Does not pay management fees. 3. Can perform original research using sources the institutional investor typically ignores. 

Learn to build your own muni bond portfolio laddered with safe California municipal bonds maturing in 1-5 years with tax free yields averaging 4% without relying on investment ratings or the new issues market.

Attend This Meeting to Learn:

• Different risk vs. return profile

• Safe tax free short to medium term returns of 4% 

• Research muni bonds perform real-time credit analysis and monitoring.

Mr. Sloss was Vice President of Finance for Lattice Semiconductor before retiring in 2005. He holds BS in Business from the University of California and became a CPA in 1969. Early in his career was Financial Auditor for PricewaterhouseCoopers and later joined Kaufman & Broad as Director of Controls Evaluation & Audits.  He followed this with CFO positions at Cordura and Daisy Systems.  In 1990 Roddy joined Sigoloff & Associates as a Consultant and finished his working career at Lattice Semiconductor.  Now days he lives in Los Altos Hills, works on the town finance committee.

Using a Variable Annuity to Generate Income

Speaker: Chris Castro, Regional Vice President,  Jackson National Life

In his presentation Chris will discuss diversification of key threats while generating stable retirement income solutions to mitigate those threats. His presentation will focus on generating predictable sources of income from a portfolio for long periods of time. He will also discuss generational changes in our society and the resulting new challenges in how one prepares for retirement. Using annuities, he will cover some solutions investors should consider.

Attend This Meeting to Learn:

• Different risk vs. return profile
• Learn the value of insuring a portfolio
• A different way to generate income
  

Chris Castro is a Regional Vice President at Jackson National Life. He has 16 years of industry experience, 8 of which have been spent at Jackson National.  Mr. Castro completed his academic studies at Colorado State University with a Bachelor of Arts in Economics.