Yale Bock

CFA
Personal Finance, Investing, Small Business
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“With over 15 years of analyzing equity investments for clients, Yale Bock is committed to giving his clients special attention in creating accounts which are tailored to meet their specific life goals.”
Firm:

Y H & C Investments

Job Title:

President & Owner

Biography:

Yale Bock is the owner and operator of Y H & C Investments, a registered investment adviser (Nevada and FINRA licensed) located in Las Vegas, NV.  All operations are directed by Yale and he is responsible for the investment research, portfolio management, asset allocation, trading decisions, trade execution, risk management, and any client communication.

Y H & C Investments is a boutique registered investment advisor based in Las Vegas, NV. The company offers asset management services which include strategic asset allocation, tactical asset allocation, investment research, portfolio management, portfolio measurement and assessment, diversification and hedging, and financial documentation and customer support. The mission of the company is to help people reach their financial goals and objectives.

Yale has been investing his own capital for 20 years and client money since 2004. Yale earned a B.A. in economics from UC-Irvine in 1989, and an M.B.A from UC-Irvine in 1991. He earned the right to use the Chartered Financial Analyst designation in 2007.

Education:

BA, Economics, University of California, Irvine - The Paul Merage School of Business

Assets Under Management:

$10 million

CRD Number:

129823

Disclaimer:

Disclosure

Investing money in capital markets involves risk and could result in losing money.  Past performance is no guarantee of future results. Future results are likely to be different from past performance. All equity portfolios involve risk and may lose money. One should research any investment and make sure it is suitable with your objectives, risk tolerance, risk profile, liquidity considerations, tax situation, and anything else pertinent to your financial situation. Also, attaining or holding the CFA credential in no way suggests performance will be superior than a market index or market return.

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    Retirement, Investing, Bonds / Fixed Income, IRAs, Stocks
If I invest 50/50 in stocks and bonds with my retirement account, is it possible to still have the same amount that I put into it after 30 years of retirement living?

You are asking a great question and thank you for it.  Based on the description of your circumstances, the answer to your question is it going to depend on the return level of your total portfolio, allocated 50% to stocks and 50% to bonds over the next 30 years.  Looking precisely at the numbers, fo example, a 4% withdrawal rate on 1,000,000 is 40K.  In the first year, if you have 500K allocated to stocks and 500K to bonds, and the stocks return 6% (30K) and the bonds return 1% (10K)- you wind up with the same total amount when the year is done (1,000,000+30,000+10,000-40,000).  So each year, your total return has to be higher than your withdrawal, or at least equal to it, in order for you to wind up with the same amount of money.  You are assuming you don't add to the account either.  As you know, there is more risk with stocks but they generally earn higher returns, especially over a longer period of time like 30 years, than bonds do.  I hope this helps answer your question.

 

Yale Bock, CFA

Y H & C Investments

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