Investing

Greg WerlinichGreg WerlinichPresidentPresident

Werlinich Asset Management, LLCWerlinich Asset Management, LLC914-741-6839914-741-6839

[email protected] www.waminvest.comwww.waminvest.com

April 7, 2023April 7, 2023 Presented by Greg WerlinichPresented by Greg Werlinich 22

In times of economic and In times of economic and financial uncertainty . . . financial uncertainty . . . you need to prepare for you need to prepare for

multiple futures.multiple futures.

33April 7, 2023April 7, 2023 Presented by Greg WerlinichPresented by Greg Werlinich

Why Are You Here?Why Are You Here?

Are you worried about losing more of your Are you worried about losing more of your hard-earned money?hard-earned money?

Are you losing faith in Wall Street and Are you losing faith in Wall Street and corporate America?corporate America?

Are you paralyzed with indecision about Are you paralyzed with indecision about what to do?what to do?

Are you concerned that you are not Are you concerned that you are not adequately prepared for multiple futures?adequately prepared for multiple futures?


Are You Paying Attention?Are You Paying Attention?

Do you look at your statements?Do you look at your statements?

Do you know your investment Do you know your investment performance?performance?

Are you trying to keep track of multiple Are you trying to keep track of multiple accounts?accounts?

Do you have a coherent plan for the Do you have a coherent plan for the future?future?


Types of InvestmentsTypes of Investments

Stocks and BondsStocks and Bonds

Money Markets, Mutual Funds and Money Markets, Mutual Funds and Fund-like productsFund-like products

College and Retirement savings plansCollege and Retirement savings plans


Stocks and BondsStocks and Bonds


Stocks – What Are They Stocks – What Are They And Why Invest?And Why Invest?

Why Own Stocks?Why Own Stocks? Income: DividendsIncome: Dividends Capital Appreciation: GrowthCapital Appreciation: Growth Ownership ControlOwnership Control

Types of StocksTypes of Stocks CommonCommon PreferredPreferred

LingoLingo


Key Stock Events Key Stock Events (and what they mean to you)(and what they mean to you)

Stock Splits and Reverse SplitsStock Splits and Reverse Splits

Stock DividendsStock Dividends

Mergers and AcquisitionsMergers and Acquisitions cash, stock or bothcash, stock or both

Spin-offs (or de-mergers)Spin-offs (or de-mergers)

Stock BuybacksStock Buybacks

Insider buying and sellingInsider buying and selling

BankruptcyBankruptcy


Bonds – What Are They Bonds – What Are They And Why InvestAnd Why Invest

What is a bond?What is a bond?

Why invest in bonds?Why invest in bonds? SafetySafety Current incomeCurrent income Principal repaymentPrincipal repayment Fixed maturitiesFixed maturities

Key FeaturesKey Features


Types Of BondsTypes Of Bonds

US GovernmentUS Government BillsBills NotesNotes BondsBonds

MunicipalMunicipalAgencyAgency Fanny, Freddie, Ginnie and SallieFanny, Freddie, Ginnie and Sallie

CorporateCorporate Investment grade and High YieldInvestment grade and High Yield

Foreign issuerForeign issuerBond fundsBond funds


Money Markets, Money Markets, Mutual FundsMutual Funds

and Fund-Like Productsand Fund-Like Products


Money Market FundsMoney Market Funds

A proxy for cashA proxy for cash

Money market bank depositsMoney market bank deposits

Money market mutual fundsMoney market mutual funds


Mutual Funds - BenefitsMutual Funds - Benefits

DiversificationDiversification

Simple asset allocationSimple asset allocationProfessional managementProfessional managementIndexingIndexing


Mutual Funds - DrawbacksMutual Funds - Drawbacks

Can be expensiveCan be expensive Loads and annual expensesLoads and annual expenses

Confusing class structureConfusing class structureToo often underperform passive indexingToo often underperform passive indexingNot generally tax efficientNot generally tax efficientFrequent manager turnoverFrequent manager turnoverNot as liquid as stocks or ETF’sNot as liquid as stocks or ETF’sToo many choicesToo many choices


Exchange Traded Funds (ETF’s)Exchange Traded Funds (ETF’s)

Excellent diversificationExcellent diversification

Very low costVery low cost

Trades like stocksTrades like stocks

Tax efficientTax efficient

Hedging possibilitiesHedging possibilities

Dividend opportunitiesDividend opportunities


Real Estate Investment Trusts Real Estate Investment Trusts (REIT’s)(REIT’s)

A simple way to invest in real estateA simple way to invest in real estate

Many different types of REIT’sMany different types of REIT’s

Pays high dividends Pays high dividends

Nicely diversifies a stock portfolioNicely diversifies a stock portfolio

Can buy an individual REIT or a fundCan buy an individual REIT or a fund


Alternative Investments:Alternative Investments:High Risk/High RewardHigh Risk/High Reward

InternationalInternational

Hedge FundsHedge Funds

Venture capitalVenture capital

OptionsOptions

FuturesFutures

CommoditiesCommodities


Saving For College Saving For College and Retirementand Retirement


Saving For CollegeSaving For College

Save in your own nameSave in your own name

Uniform Gifts To Minors Act – UGMAUniform Gifts To Minors Act – UGMA Or Uniform Transfers to Minors Act - UTMAOr Uniform Transfers to Minors Act - UTMA

Coverdall Educations Savings AccountCoverdall Educations Savings Account Formerly known as the Education IRAFormerly known as the Education IRA

Section 529 College Savings AccountSection 529 College Savings Account


Section 529 PlansSection 529 Plans

Donor retains control of the moneyDonor retains control of the moneyDistributions are tax freeDistributions are tax freeContributions may be partially tax-deductibleContributions may be partially tax-deductibleGifts reduce the estate of the donorGifts reduce the estate of the donorFlexible investment optionsFlexible investment optionsEasy to establish accountEasy to establish accountAnyone can contributeAnyone can contributePortabilityPortabilityBenefits available to anyone in countryBenefits available to anyone in countryHigh contribution limitsHigh contribution limits


Retirement AccountsRetirement Accounts

Traditional IRATraditional IRA

Roth IRARoth IRA

Rollover IRARollover IRA

SEP IRASEP IRA

SIMPLE IRASIMPLE IRA

401(k)401(k)

403(b)403(b)


So What Can You Do?So What Can You Do?

Reduce personal debtReduce personal debt

Minimize non-discretionary expendituresMinimize non-discretionary expenditures

Save by “Paying Yourself First”Save by “Paying Yourself First”

Adjust your expectationsAdjust your expectations

Diversify your investments Diversify your investments

Commit to a plan of actionCommit to a plan of action

Consider outside adviceConsider outside advice


Why Use An Independent Advisor?Why Use An Independent Advisor?

Time, energy and expertiseTime, energy and expertise

Impartial adviceImpartial advice

Clear alignment of interestsClear alignment of interests

Ongoing guidanceOngoing guidance

It’s your money! It’s your money!

Greg WerlinichGreg WerlinichWerlinich Asset Management, LLCWerlinich Asset Management, LLC

[email protected]

914-741-6839914-741-6839

Investing

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