EXPLORE THE UNKNOWN
Frequently Asked Questions
Table of Contents
How do I get financial planning help?
We can set up an appointment. If you live in Tallahassee, we can accomodate you at a place of your convience for in-person communication. If you are unable to speak to us in person, we can serve you via telephone. To learn more click here.
Where can I find the office closest to my place of residence?
Since we are a small company, we work from a home/office in Tallahassee, Florida. We are willing to accomodate you at a place of your convience for in-person communication.
How much money do I need to maintain in my account?
It depends on your investment choice. There is a minimum amount required to open an account, however, there is no maintenance minimum required. For example, if the market value of your account falls below your initial funding amount, you will not be required to contribute new money to your account to bring the account level back to your initial funding amount. To learn more about our account minimums click here.
What is the difference between Truth Investment's products and other products?
It is important for investors to analyze manager skill when deciding which products to invest in. A few percentage points difference between portfolios on an annual basis could mean the difference between being able to afford a vacation home and just being able to make ends meet during retirement years. At Truth Investments, we believe we are more skilled than the average manager and can consistently deliver higher returns than our peers over long periods of time. Our portfolios are also managed separately for individuals as opposed to mutual funds, in which client monies are pooled.
How much money can I lose in the stock market?
Everything. The stock market can be volatile, meaning you can gain or lose money on any given day. In 1929, the US stock market collapsed, leading to a severe economic recession that became known as the Great Depression. Truthfully, there is no reason to believe that similar events could not reoccur.
Having said that, higher risk can deliver higher rewards. There are very few assets that deliver higher potential returns than stocks. The US stock market can be expected to delivers 10-12% on average per year. The decision to invest in stocks requires commitment. Since significant losses can be incurred at any time, success will be more likely achieved over a long time horizon so that adequate time is available to recoup losses.
The first point is not to scare you off, but to make you aware of the risk involved. The second point is that if you are patient, you can reap significant rewards over a long period of time.
I hear money managers saying all the time that I should invest for the long term. Just how long is a long time?
Most US economic cycles occur within 10-year spans. During that time, the economy will gradually rotate from a period of slowing growth to a period of accelerating growth. Since, the stock market is tied close to the economy, it will also move in a cyclical pattern. However, because of population growth and most people's desire for an improved way of life, the stock market tends to produce more positive returns than negative returns. Therefore, conventional wisdom indicates one can expect positive results from their stock investments over a period of 10 years.