Deva Panambur

CFA®, CFP®
Personal Finance, Investing, Small Business
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“Deva Panambur, Managing Director with Sarsi, passionately seeks knowledge about his clients and their requirements so that he can help them achieve their goals and objectives.”
Firm:

Sarsi, LLC

Job Title:

Managing Director

Biography:

Deva Panambur, CFA®, CFP®  is the founder of Sarsi, LLC. Sarsi, LLC is an independent, fee only, Registered Investment Advisor, serving individuals and institutions. We primarily provide the following services: 1.Financial Planning: Overall financial situation of the client including cash flow, debt management, risk management/insurance, estate planning and tax planning. 2. Investment strategy 3. Asset allocation and risk management 4. Manager/Investment product selection 5. Investment monitoring and reporting.

Prior to founding Sarsi, LLC in 2010, Deva was a Senior Vice President/Partner at Executive Monetary Management (EMM), a wealth advisor with over $2Bn in assets that was a part of Neuberger Berman, before being spun off into an independent firm in 2009. At EMM, Deva led manager selection and due diligence and had joint responsibility for economic analysis, strategy analysis, portfolio management and risk management pertaining to investments of ultra high net worth clients and institutions.

Prior to joining EMM, he was a portfolio manager at the alternative strategies group of Merrill Lynch; a research analyst at Chesapeake Capital Corporation- a hedge fund; and a risk and business analyst at Deutsche Bank Asset Management where he supported various investment groups. He began his career at International Seaports Pte. Ltd. in international project finance in the Far East and the United States.

Deva earned a Bachelor of Technology from the Indian Institute of Technology, India, a Master in International Management from the Indian Institute of Foreign Trade, India, and an MBA from Thunderbird School of Global Management, Glendale, AZ. He has been awarded the Chartered Financial Analyst designation and is a CFP® professional.

He regularly provides expert advisory services to top consulting firms and asset management companies regarding the business and investment aspects of the investment industry. He is an Adjunct Professor of Personal Finance at Montclair State University in New Jersey and in his spare time trains candidates appearing for the  CFA exam.

Education:

MBA, Finance, Thunderbird (Arizona State University)
BTech, Metallurgy, Indian Institute of Technology

Fee Structure:

Fee only. Asset based and/or fixed.

CRD Number:

4632189

Disclaimer:

Sarsi LLC (“Sarsi”) is a Registered Investment Advisory Firm regulated by the State of New Jersey in accordance and compliance with applicable securities laws and regulations. Sarsi does not render or offer to render personalized investment advice through this newsletter. The information provided herein is for informational purposes only and does not constitute financial, investment or legal advice. Investment advice can only be rendered after delivery of the Firm’s disclosure statement (Form ADV Part II) and execution of an investment advisory agreement between the client and Sarsi.

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    Asset Allocation, Bonds / Fixed Income, ETFs
What is the appropriate risk in a balanced portfolio in the current environment?
100% of people found this answer helpful

Best wishes for your retirement and all kudos to you for paying attention to your investments.

You bring up a good point, in that although dividend yields on stocks are higher than interest rates on fixed income, they come with equity risk as reflected in the beta of 0.91 relative to the S&P that you mention. Additionally, because investors have rushed into dividend paying stocks in a low yielding environment, some of these stocks are priced for perfection and maybe volatile if rates rise and/or stocks fall.

If you have dividend paying stocks in your portfolio it must be considered as equity not fixed income and should be weighted accordingly. If your overall portfolio is constructed to match your risk profile then the individual volatility of the dividend stocks should not matter over the long term.

While stocks have run up a lot there are concerns that they may correct, nobody can tell for sure when that is likely to happen. Tactical allocations can help at the margins.  A better way to construct portfolio is to match it to your risk profile and objectives. If you are planning on withdrawing money from this portfolio (And you will have required minimum distributions at 70.5 in any case) you may want to divide the portfolio into short term (Very safe low duration fixed income), medium term (Higher yielding fixed income) and long term (Equities) and rebalance. Your dividend stocks would be part of the third bucket. If your portfolio is all in stocks then yes, you may want to reduce risk.

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