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Osterville, MA 02655
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Investment Risks

Interest Rate Risk

The potential for loss (or gain) from the fluctuation of interest rates relative to the bond a person may be holding. There is an inverse relationship between interest rates and bond prices. Therefore a rise in interest rates will negatively affect the value of existing bonds (prices will go down). The degree of price fluctuation is exasperated by the length of maturity. The longer the bond maturity the greater the price fluctuation will be. 

Credit Risk

The potential loss of principal stemming from a borrower’s failure to repay a loan or debt offering(a contractual obligation). Credit risk arises whenever a borrower is expecting to use future cash flows to pay a current debt. Credit risk is closely tied to the potential return of an investment, the most notable being that the yields on bonds correlate strongly to their perceived credit risk.

Market Risk

Pertains to the daily fluctuation of prices of securities. Relative to the stock market prices may vary as a result of (but not limited to) political, economic, global, catastrophic or industry or company related news. Market risk also known as systematic risk cannot be diversified away.

Currency Risk 

A form of risk that arises from the change in price of one currency against another. Whenever investors or companies have assets or business operations across national borders, they face currency risk. One means companies have to minimize this risk (diversify the risk) is to hedge their positions against currency changes. 

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Welcome to Lenk Ladner Investment Solutions

An independent fee based only investment advisory firm with over 100 years combined investment experience established in 1993. We tailor personal portfolios composed of individual securities based on the unique needs and risk tolerance of each client for a customized experience. Utilizing a conservative investment philosophy we select financially stable companies with positive growth prospects that have demonstrated consistent earnings growth to achieve your objectives.

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896 Main Street
Osterville, MA 02655
508-428-1645
508-428-4421
 

Quarterly Commentary from our Economist John Ladner (2ndQuarter 2021)

Entering the Home Stretch – –- August presented investors with the usual summer doldrums. A mass exodus of residents from the largest metropolitan areas occurred as they escape the heat of their cities and head to their favorite vacation spots at the seashore or the mountains as they briefly assume a more leisurely lifestyle. As a result, trading desks in financial centers become the responsibility of less experienced traders who take a more cautious approach as they seek to avoid making any mistakes while the boss is away. Often this results in significantly less trading activity. Read More

2021 Market Commentary

  • 1st Quarter
  • 2nd Quarter
  • 4Q 2021 Market Commentary

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