Nils Larsen the Portfolio Manager: A Career that Spans Over 20 Years in Finance
Nils Larsen manager of Financial Services Group (FTI), a premier global business advisory company, is a leading expert in all things finance, and recently gave advice on investing strategy, gained from his over 20 years of experience. As a financial and investment professional, he’s received acclaim from clients around the globe for his expertise and skill in creating highly successful, long-term investment portfolios. Nils Larsen, who has handled a deep and diverse portfolio of responsibilities and expertise including equities, fixed income, cash management, retail banking, venture capital, and private equity – manages clients across the globe from his hometown of Walnut Creek, California, and works closely with a diverse selection of consulting partners who he calls his “financial colleagues.” An innovative and team-oriented leader, Nils Larsen can also be found exploring investments, reading trade journals, and developing new initiatives to serve FTI Consulting clients and members.
Quick Investment Tips from Nils Larsen
Nils Larsen manager believes that sometimes we should hold less risk assets, because sometimes you really don’t need all those eggs in one company that suddenly falls apart. Sometimes you should allocate more risk, and many people do that. And even though one should think about diversification in case some of the investments in your portfolio decline, you shouldn’t invest in such assets if you have problems staying invested over the long haul. Don’t sell when you don’t understand, and don’t lose focus. Use the strategy that will adapt to your needs and create your own solutions. When selling, don’t sell completely. If you sell too soon you can miss out on a rally, or become exposed to a single company you didn’t really want to be exposed to. Often the selling strategy we use is to return part of our profit when the price starts climbing, and we sometimes have to work hard on keeping profits that we have accumulated.
According to a recent poll of financial strategists like Nils Larsen manager in 2020, the most important thing a portfolio manager can do for his clients nowadays, is to figure out how much of their assets you want to invest in stocks and bonds, and then choose between a few index funds. Each index fund will invest in the same number of stocks. If the average market value of the shares in an index fund is going up, that fund will outperform its peers and your other index funds will also beat them. What does this really mean? The best stock and bond investors usually have one of the best records over the long run, and as they buy in small lots, they can search for new ideas and bet on long term success; not short term momentum. The poll also stated what managers like Nils Larsen would consider to be a priority for picking stocks and bond-heavy portfolios for everyone? The consensus was that while many investment managers simply choose the two asset classes they think are most promising, there is usually more to it than that. However, over the long run, if you concentrate on the best companies, you’ll do better than any single stock picker could hope to do in real life.
For instance, take the difference between biotech and the pharmaceutical industry. Clearly, they are very different. Each of them is a business driven by a technical requirement, and they both have shareholders who hope to generate profits over the coming years. But if you only buy stocks that aim to benefit in the short term, you cannot assume that this will translate to longterm success, especially with how quickly situations can change in the modern era.
It’s not certain whether we’re in the middle of a paradigm shift. The value of money is important, but at the moment people seem to prefer to make the most of it rather than save it. This could be due to a number of factors, but perhaps most of it is due to the pandemic that is affecting markets worldwide. 20 years of experience from Nils Larsen manager, a proven financial portfolio investor, comes in handy in times like these.
Nils Larsen Talks Exploring Your Financial Future
Financial manager Nils Larsen can help you explore your financial future. The process of financial planning can help you take control and learn how to manage your money today and turn it into a greater sum through savings and investment.
Financial Planning Defined
The process of financial planning encompasses many facets of finance. It includes budgeting, cost reductions, savings, your checking account, which, if you work in business, refers to your cash account, investments, insurance, and financial goal-setting.
The latter item begins the process. You discuss with a financial manager your goals and interests and what matters to you most, says Nils Larsen, manager. For example, if you want to own a home by a certain age or prioritize sending each of your children to college, you enumerate these, and your manager notes them in your file.
The financial manager then devises a plan for you to attain these goals by your self-imposed deadline. This typically starts with examining your current budget, Nils Larsen, manager, said. Your budget determines how much money you have to deposit in savings and investment.
Sometimes, the financial manager notices glaring problems with your budget. These require immediate amendment so you can save money to invest.
Depending on your goals and deadlines, a financial manager like Nils Larsen might suggest that you cut back on unnecessary expenses. They may help you pinpoint which expenses you could easily reduce.
Savings and Investment
Nils Larsen manager explains that a financial manager suggests the appropriate savings and investment accounts to help you maximize your savings. This might include a high-yield savings account or an investment account tied to a stock index such as the S&P.
While many people associate investment with stocks and bonds, a savvy financial manager also suggests appropriate insurance such as life insurance with an investment component such as a cash value account. These policies provide a death benefit to a named beneficiary as well as a savings account tied to an investment account. The monthly premiums pay the cost of upkeep of the life insurance death benefit while the remainder of the premium payment goes into a savings account.
While respect to an investment portfolio, financial manager Nils Larsen says, a savvy manager will diversify your investments so you will have stocks, bonds, real estate, high-yield savings, and potential currency investments such as FOREX or cryptocurrency.
While you could undertake these activities on your own, a financial manager like Nils Larsen manager says it benefits you to have a financial expert help you devise a strategy. A financial manager knows the latest tax laws and can help set up a tax shelter. They also stay abreast of the stock market and which money market accounts provide the best returns. Hiring a financial manager helps you develop a plan for your financial future and the financial accounts to build that future.
Financial Manager Nils Larsen, from California, offers professional insight into Social Security planning.
Based in California, and a licensed financial advisor for more than 20 years, Nils Larsen offers an expert insight into the process of social security planning and why it is so important.
“Social Security planning, for many people,” explains Larsen, speaking from his office in California, “is about maximizing Social Security benefits for their household.”
In the U.S., Social Security refers to the federal Old-Age, Survivors, and Disability Insurance program, administered by the Social Security Administration. The program, says Nils Larsen, encompasses several social insurance and social welfare programs. “Social Security can provide you with benefits when you retire or if you become disabled,” he reveals, “and your spouse, and other eligible members of your family, with benefits when you die.”
According to Nils Larsen manager, preparing for future eventualities can be among the most challenging aspects of income planning that a person will face in their lifetime. “Maintaining a particular lifestyle, for example, into retirement is often of the very greatest importance to the majority of people,” he suggests, “yet, adequately preparing for this is, or can be, a considerable challenge.”
“This is why properly understanding the Social Security planning process is so important,” says Nils Larsen, a seasoned financial advisor now with more than two decades of experience.
A California native Nils Larsen employs an education-first discovery process, he says, in Social Security planning, to pinpoint clients’ retirement goals. For greater peace of mind still, it’s also important to consider the possibility of becoming disabled, as well as what happens when you die, when addressing Social Security planning, according to the expert.
“We know, in life, to expect the unexpected, so why,” he adds, wrapping up, “not plan for it today rather than waiting until tomorrow?”
Nils Larsen has been a licensed financial advisor for more than two decades. As a top ‘safe money’ specialist, Nils Larsen focuses on retirement planning and educating individuals on helping to protect, preserve, and pass on their wealth. Nils Larsen utilizes his own experiences as a longtime financial professional and uses illustrations of real-life scenarios in order to make the topic as easy to understand as possible for those he serves to help protect, preserve, and pass on their financial legacies.
Nils Larsen manager presence as a portfolio exert is no stranger to the investment world. With over two decades of real-time, practical experience, Larsen has seen his share of a fluctuating market and financial investment environment. Considering Larsen’s tenure easily covers the post-recovery from the 1990s tech bubble, the 2009 Recession, and recovery, and the current run-up into 2020’s market peak and potential bubble again, Larsen can easily say he’s seen it all.
Whether it’s a perspective in equity stocks, bond investing or exchange-traded funds, Nils Larsen manager experience has benefitted multiple customers and expert forums with his professional input. With a primary focus on preserving customer legacies as well as enhance value growth overtime to protect retirement and following generations, Larsen has always had two feet in the market between immediate movement and long-term positioning.
Nils Larsen Manager Personal Service
That doesn’t mean personal service should stop. In fact, it’s even more important going forward past 2020 given how unknown the financial territory is going to be. “I deal with each client on a personal level to attain their desired financial goals, and to help secure their financial legacy,” explains Nils Larsen manager input, “by implementing agreed-upon investment strategies across stocks, bonds, mutual funds, exchange-traded funds, and more, to achieve the results which they’re looking for.” Additionally, portfolio managers absolutely cannot sit on their laurels. With how fast the current market moves, fund and account managers have to be actively monitoring their client accounts and fine-tine almost on a daily basis. The signals for change are frequently present, but with the speed of quant trading and computers today, institutional blips can cause hundreds of points in changes in a matter of minutes now that used to take days years ago.
Old Lessons Stick Longer
At the same time, per Nils Larsen manager insights, many familiar principles still apply for investors. If they don’t have the time or stomach for hard trading in singular companies and the related research mutual funds and exchange-traded funds may be the better options. Like Nils Larsen manager role, these are managed either actively or passively but combine multiple resources and assets that frequently provide a smoothing effect versus investing in just a few companies. Being part of these institutional positions typically ends up performing better over time assuming the investor stays in and doesn’t automatically panic at the first blip, a common mistake. For example, folks who saw losses in 2009 pulled their money out and stayed out in the following years. However, those who stayed in recovered their worth by 2013 and made incredible gains only three more years later. Every portfolio manager like the Nils Larsen manager team and elsewhere saw the same dynamic play out.
Working in Southern California, the Nils Larsen manager critic can easily argue he’s on the other side of the country from the stock exchanges and out of sync, but electronically Larsen is tuned in as well as anyone on the actual trading floors. This is not the first market he’s ever seen with a tremendous amount of risk going forward, and it won’t be the last for Nils Larsen manager veteran prognosticator expert. The key is to have patience, invest with an overall solid strategy, and then stick to it with discipline instead of trying to time the market for momentary gains.
In today’s ever-changing world, it’s important to know that your assets are as protected as possible. Nils Larsen Manger is sharing his tips on diversifying your portfolio, allowing you to make the most of your investments. While playing it safe is important when it comes to investing, it’s also important that you play it smart.
One of the top tips given by financial managers like Nils Larsen is to understand that diversifying your financial portfolio isn’t as simple as investing in several different stocks, bonds, and other options – it’s about choosing options that grow in different ways. According to Nils Larsen Manager, this protects your assets and makes it more likely that your portfolio will be able to withstand the ups and downs of the economy. This may require some research if you’ve invested in a traditional way in past years. Learning about investment options that are new to you can help you choose investments that make the most sense for your portfolio.
You’ll also want to be sure that you include several different sizes of companies in your portfolio, according to Nils Larsen Manager. Choose a mix of large and small companies, and be sure to also choose a mix of government and corporate bonds. This isn’t an overnight process for most people. Nils Larsen Manager recommends giving yourself some time to begin to diversify your investments. With each new investment, you’ll want to carefully consider whether it’s working towards your diversification goals.
Nils Larsen Manager also recommends venturing outside of your own country to diversity your portfolio. Doing so can protect your portfolio when your home market becomes stagnant, according to Nils Larsen. This is especially important as many financial markets are experiencing ups and downs like never before due to the coronavirus. While it’s always been important to invest overseas, the need to diversify internationally is currently more important than ever.
If you’ve already been in the process of working to diversify your portfolio, it may be time to revisit your investments. According to Nils Larsen Manager, it’s key to revisit your portfolio from time to time to ensure that you still have a mix of investments that’s working for you. As global markets change, your portfolio needs to change as well. If you’re not sure where to start, meeting with a financial advisor is an important first step to ensure that you’re making the right moves to allow your wealth to grow.
The recent dips in the stock market in Fall of 2020 have many people who remember what happened in 2009 wondering if a new investment bubble is about to pop. That last round resulted in a major recession that took almost four years to recover from, and it almost shattered the modern credit system with how much debt suddenly became illiquid and useless in terms of future income for many institutions. Yet, since then, Nils Larsen Manager like many portfolio managers has seen the same stock market rise back up, continue to keep rising, and reach historic heights in January 2020.
Part of what’s going on now, from what Nils Larsen Manager can easily reflect on with two decades of investing experience, is the fact that the current market is extremely heavy with investment volume as well as extremely volatile. For example, while the record-breaking ceiling was reached in January 2020, the same market dropped almost 8,000 points in mid-March 2020 during the COVID-19 panic. Then it turned again almost to the same heights. That kind of rollercoaster ride never existed until the Fall of 2007 when the 2000s Recession started to creep in. So, of course, that has a lot of folks asking whether anything of practice, principle, or logic from the last few decades even applies to today’s investing horizon. Are folks really on top of another bubble or just a continuing rise?
Nils Larsen Manager has dealt with all kinds of risk types, from newbie 20 somethings who can tolerate as much risk as taking a rocket to the moon, to folks on the edge of retirement who don’t want to see what happened to their friends in 2009 happen to them so close to retiring. And the current precipice of the market in 2020 clearly has all the hallmarks of a classic bubble waiting to pop and come crashing down again.
One might think that Nils Larsen Manager is a bit out of touch now with the latest financial market behavior, being situated in his Southern California offices versus major market towns like Chicago or New York City. However, geography doesn’t matter than much in age if digital investing. Nils Larsen Manager with computers has just as much access to the same market projection tools as the brokerages on Wall Street, and maybe a bit better objectivity by not being surrounded by the physical angst of big city investment houses.
As Nils Larsen Manager looks at the current market, ironically, the same principles of the good investment may still apply. Plan carefully, invest to hold and grow, protect value, and refrain from being greedy. Those with a solid diversification approach in their portfolio, according to Nils Larsen Manager, can weather a pending drop if it occurs, and the market has repeatedly rewarded investors who hold on in the face of panic versus running for the door. In fact, many of Nils Larsen Manager’s early wins were investment positions at the trough of 2009 as they rocketed back up tremendously by 2013.
Tomorrow is always going to be full of surprises, but for Nils Larsen Manager, it’s very much the potential to succeed as well. So it’s better to try moving forward than to worry and freeze today.
From stocks and bonds to mutual and exchange-traded funds, finance expert Nils Larsen manager is an accomplished investment specialist with over 20 years of experience. Delivered across ever-changing financial landscapes, Larsen reflects on his professional endeavors where he’s helped countless clients both from California and throughout the wider U.S. to manage their investment portfolios and secure their financial legacies.
“For more than two decades, I’ve worked closely with clients from all walks of life to manage their investments and achieve their financial goals,” says Nils Larsen manager, speaking from his office in Southern California.
Finance expert Nils Larsen is an accomplished portfolio manager with more than 20 years of experience. Larsen, as the manager of a successful financial services business, understands each of his clients’ risk tolerances, goals, and ultimate objectives, and routinely implements agreed-upon investment strategies carefully tailored to achieve their desired results.
“I deal with each client on a personal level to attain their desired financial goals, and to help secure their financial legacy,” explains Nils Larsen manager, “by implementing agreed-upon investment strategies across stocks, bonds, mutual funds, exchange-traded funds, and more, to achieve the results which they’re looking for.”
Nils Larsen manager also carefully monitors his clients’ investments, he says, continually adapting to changing environments and fine-tuning their portfolios accordingly, whether they’re investing in stocks, bonds, or something else entirely.
Stocks, Nils Larsen manager goes on to explain, are shares in the ownership of a particular business, while bonds represent an agreement whereby the issuing entity will repay, with interest, an investor’s generosity in the future. “Mutual funds, meanwhile,” Larsen further explains, “are a form of investment where an individual client chooses to pool their money with other investors to purchase a share of a larger, combined portfolio.”
According to Nils Larsen manager, a mutual fund’s combined portfolio may include stocks, bonds, or a combination of the two, as well as a range of other securities. An individual investor, he says, may be unable to successfully create such a portfolio single-handedly, which has led to a rise in the popularity of mutual funds, particularly in recent years. “Mutual funds are almost always overseen by a portfolio manager,” adds Larsen, “rather than the pool of investors themselves.”
Nils Larsen manager also briefly touches on exchange-traded funds. “One predominantly for accomplished portfolio managers and other financial industry professionals, exchange-traded funds, often simply referred to as ETFs, are investments traded on global exchanges, such as the New York Stock Exchange,” reveals the expert.
An ETF can, Nils Larsen manager says, hold a variety of assets—including both stocks and bonds, plus a wealth of other commodities—and will typically operate with what’s known as an arbitrage mechanism in place. “Loosely defined, an arbitrage mechanism,” adds Larsen, “is designed, in the best interest of investors, to keep an exchange-traded fund trading close to its asset value.”
Accomplished portfolio manager Nils Larsen both lives and works in Southern California. When he’s not working, Nils enjoys nothing more than spending time with his family. A proud father of two boys, the family owns a pet German Shepherd which Nils Larsen manager and his sons love to walk in and around their neighborhood and further afield. The family also has a shared passion for surfing, hiking, fishing, and generally spending time outdoors, among a wealth of other hobbies and interests.