{"id":1367,"date":"2020-11-22T11:30:22","date_gmt":"2020-11-22T11:30:22","guid":{"rendered":"http:\/\/cashvisory.examinia.com\/?p=1367"},"modified":"2020-11-22T11:43:08","modified_gmt":"2020-11-22T11:43:08","slug":"glide-path-get-to-your-goals-smoothly","status":"publish","type":"post","link":"https:\/\/www.cashvisory.com\/blog\/glide-path-get-to-your-goals-smoothly\/","title":{"rendered":"Glide path: Get to your goals smoothly"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1367\" class=\"elementor elementor-1367\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-48101b46 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48101b46\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f9271b9\" data-id=\"2f9271b9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50b698db elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"50b698db\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cc03f13 elementor-widget elementor-widget-text-editor\" data-id=\"2cc03f13\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Key Takeaways<\/strong><\/p><ul><li style=\"font-weight: 400;\"><strong>Automated passive investment management strategies such as dollar cost averaging, periodic rebalancing and glide path can go a long way in mitigating the impact of market volatility on your portfolio.<\/strong><\/li><li style=\"font-weight: 400;\"><strong>Glide path helps reduce volatility of your exit by reducing the exposure to higher risk assets such as stocks over time and increasing the exposure to bonds or cash equivalents.<\/strong><\/li><li style=\"font-weight: 400;\"><strong>This ensures that the target amount saved up for your goal does not get overly exposed to last minute swings in the markets.\u00a0<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1385a636 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1385a636\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4dfa3c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4dfa3c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2310e2a\" data-id=\"2310e2a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-228cd1a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"228cd1a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-37641c6\" data-id=\"37641c6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fd3397 elementor-widget elementor-widget-text-editor\" data-id=\"5fd3397\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Imagine your investment process as an aircraft\u2019s journey. Yes air travel, that beautiful long lost friend that\u2019s been elusive for a while due to COVID-19. There are three key steps that make a good flight &#8211; a gentle take-off, a smooth sailing flight and a soft landing. The same principles are applicable to your goal-based investments as well: your point of entry into the investment, managing the investments along the way, and finally the exit point to ensure a smooth finish. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d73c0f8\" data-id=\"d73c0f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d575613 elementor-widget elementor-widget-image\" data-id=\"d575613\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"347\" height=\"219\" src=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image1-3.png\" class=\"attachment-large size-large wp-image-1370\" alt=\"smooth flight image\" srcset=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image1-3.png 347w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image1-3-300x189.png 300w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7983f1d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7983f1d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e2945b1\" data-id=\"e2945b1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f9db5ac elementor-widget elementor-widget-heading\" data-id=\"f9db5ac\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to activate turbulence protection within your portfolio?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-662368f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"662368f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2153ff7\" data-id=\"2153ff7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55a6202 elementor-widget elementor-widget-text-editor\" data-id=\"55a6202\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">There are a few key strategies that help you neutralise the turbulence that is your market volatility in your investment journey. These can be even more helpful for passive investment management for those who prefer to largely keep their portfolio on autopilot.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5bfe3a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bfe3a5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9fc6c12\" data-id=\"9fc6c12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-222213c elementor-widget elementor-widget-text-editor\" data-id=\"222213c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li dir=\"ltr\"><p dir=\"ltr\" role=\"presentation\"><strong>The entry point<\/strong>: The strategy of <a href=\"https:\/\/www.investopedia.com\/terms\/d\/dollarcostaveraging.asp\" target=\"_blank\" rel=\"noopener\">dollar cost averaging<\/a> suggests that you should purchase the asset you are investing in over a period of time to average out the buying price and reduce the impact of market volatility on your portfolio.\u00a0<\/p><\/li><li dir=\"ltr\"><p dir=\"ltr\" role=\"presentation\"><strong>The smooth sailing<\/strong>: A <a href=\"https:\/\/www.cashvisory.com\/blog\/modern-portfolio-theory-how-to-achieve-optimal-diversification\/\">well diversified portfolio allocation<\/a> can help protect your investment against major swings in any particular asset type or class. <a href=\"https:\/\/www.cashvisory.com\/blog\/rebalancing-your-portfolio-periodically-a-must-during-volatile-times\/\">Rebalancing your portfolio periodically<\/a> ensures that this asset allocation and risk level is maintained, keeping the exposure to volatility in check.\u00a0<\/p><\/li><li dir=\"ltr\"><p dir=\"ltr\" role=\"presentation\"><span style=\"font-size: 15px;\"><strong>The exit point<\/strong>: Glide path &#8211; the focus of our article today &#8211; is one of the most important strategies to enable a smooth exit, ensuring that you reduce the impact of market volatility on your returns.<\/span><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-476a9df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"476a9df\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dcc9577\" data-id=\"dcc9577\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e9c8fa elementor-widget elementor-widget-image\" data-id=\"4e9c8fa\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"431\" height=\"356\" src=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image2-3.png\" class=\"attachment-large size-large wp-image-1371\" alt=\"\" srcset=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image2-3.png 431w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image2-3-300x248.png 300w\" sizes=\"(max-width: 431px) 100vw, 431px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-788a417 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"788a417\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d34822b\" data-id=\"d34822b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d0738cf elementor-widget elementor-widget-heading\" data-id=\"d0738cf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a glide path?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0903ca1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0903ca1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f114da5\" data-id=\"f114da5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f68f3e1 elementor-widget elementor-widget-text-editor\" data-id=\"f68f3e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Glide path refers to the gradual change in your asset allocation over a period of time. With a focus on exit, glide path would typically reduce the exposure to higher risk assets like stocks over time and increase the exposure to bonds or cash equivalents. The objective is to reach a low volatility portfolio exposure by the time that you need to exit.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be4c4d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be4c4d7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b7a2e0\" data-id=\"4b7a2e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bed5709 elementor-widget elementor-widget-heading\" data-id=\"bed5709\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How can glide path be used for goal achievement?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fc7d801 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fc7d801\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-de66973\" data-id=\"de66973\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b21325 elementor-widget elementor-widget-text-editor\" data-id=\"0b21325\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Saving and investing towards your goals is the best way to make sure you reach your goals early. Imagine saving up for your kids\u2019 university education using a balanced portfolio of 60% equity and 40% bond. Let\u2019s say you have 1 year left before you need to withdraw your investment. With glide path, the portfolio allocation will be changed over the last year of the investment with the following transactions:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5bc4bb elementor-widget elementor-widget-text-editor\" data-id=\"d5bc4bb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Original asset allocation: 60% equity &amp; 40% bond<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Change in allocation 1 year before surrender: 45% equity &amp; 55% bond<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Change in allocation 9 months before surrender: 30% equity &amp; 70% bond<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Change in allocation 6 months before surrender: 15% equity &amp; 85% bond<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Change in allocation 3 months before surrender: 0% equity &amp; 100% bond<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eeee6e7 elementor-widget elementor-widget-text-editor\" data-id=\"eeee6e7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Since bonds are considered safer assets than equities, what you are essentially doing is buying into the safer asset to shift your portfolio\u2019s orientation towards lower risk as the date of surrender nears. You are also averaging out the selling price of your riskier assets over a period of time to mitigate the impact of market volatility, similar to dollar cost averaging. This ensures that the target amount that you are building up for your goal through your investments do not get overly exposed to last minute swings in the markets.<\/span><\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f19e52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f19e52\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-097c90d\" data-id=\"097c90d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c8adfa elementor-widget elementor-widget-image\" data-id=\"0c8adfa\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"579\" height=\"369\" src=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2.png\" class=\"attachment-large size-large wp-image-1368\" alt=\"glide path strategy\" srcset=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2.png 579w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2-300x191.png 300w\" sizes=\"(max-width: 579px) 100vw, 579px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0bf8b1b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0bf8b1b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a849fa\" data-id=\"2a849fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b4a863 elementor-widget elementor-widget-heading\" data-id=\"3b4a863\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What if glide path is not activated?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1904f21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1904f21\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ee67219\" data-id=\"ee67219\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60802b2 elementor-widget elementor-widget-text-editor\" data-id=\"60802b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Imagine a situation without glide path: your equity allocation is still 60% a month before you need to surrender. If in the unfortunate scenario that a market crash happens in that month, without glide path, your portfolio is overexposed to its impact. This is because equity prices typically have much higher price swings as compared to bond prices due to their higher risk return profile. For instance, in the 2008 financial crisis, global equities fell by about 50% whereas global bonds fluctuated by less than 10%. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec5bb80 elementor-widget elementor-widget-text-editor\" data-id=\"ec5bb80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In a similar crisis, say your equities reduce in value by 40% whereas the impact on bonds is only 10%. Overall your portfolio would fall by 28% due to its over exposure to equities as opposed to 10% with glide path in place. This could be the difference between your ability to meet your goal vs being thrown off-track.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b07bf3e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b07bf3e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8826c32\" data-id=\"8826c32\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-780a508 elementor-widget elementor-widget-heading\" data-id=\"780a508\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bottom Line\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5654b9a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5654b9a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-86c563e\" data-id=\"86c563e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ce9a91 elementor-widget elementor-widget-text-editor\" data-id=\"5ce9a91\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">For the average investor with no time and bandwidth to actively manage their portfolio, automated strategies such as dollar cost averaging, auto fund rebalancing and glide path go a long way in ensuring you can secure good returns at your desired level of risk by mitigating the impact of market volatility on your portfolio. They essentially help you put your investments on autopilot.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d77df4 elementor-widget elementor-widget-text-editor\" data-id=\"7d77df4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We at\u00a0<\/span><a href=\"http:\/\/wwww.cashvisory.com\" target=\"_blank\" rel=\"noopener\">Cashvisory<\/a><span style=\"font-weight: 400;\">\u00a0are building a solution to help you exercise these strategies with ease. Stay tuned!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Automated passive investment management strategies such as dollar cost averaging, periodic rebalancing and glide path can go a long way in mitigating the impact of market volatility on your portfolio. Glide path helps reduce volatility of your exit by reducing the exposure to higher risk assets such as stocks over time and increasing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1368,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1367","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments"],"uagb_featured_image_src":{"full":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2.png",579,369,false],"thumbnail":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2-150x150.png",150,150,true],"medium":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2-300x191.png",300,191,true],"medium_large":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2.png",579,369,false],"large":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2.png",579,369,false],"1536x1536":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2.png",579,369,false],"2048x2048":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/11\/image3-2.png",579,369,false]},"uagb_author_info":{"display_name":"Admin","author_link":"https:\/\/www.cashvisory.com\/blog\/author\/admin\/"},"uagb_comment_info":7,"uagb_excerpt":"Key Takeaways Automated passive investment management strategies such as dollar cost averaging, periodic rebalancing and glide path can go a long way in mitigating the impact of market volatility on your portfolio. Glide path helps reduce volatility of your exit by reducing the exposure to higher risk assets such as stocks over time and increasing&hellip;","_links":{"self":[{"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/posts\/1367","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=1367"}],"version-history":[{"count":4,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/posts\/1367\/revisions"}],"predecessor-version":[{"id":1374,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/posts\/1367\/revisions\/1374"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/media\/1368"}],"wp:attachment":[{"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=1367"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=1367"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=1367"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}