Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 3, Issue 11July 2008


Keep Long-Term Focus During Market Downturn

By Joel Feiger

These are unsettling times in the stock market. High oil prices and continuing weakness in the U.S. economy have combined to drive the market down to its lowest levels in months. It is unclear when the bulls will begin to run again.

In times like these, investors should stay focused on the long-term picture, rather than the short-term ups and downs. If you panic and sell now, you may be selling at a low point. And while past performance is no guarantee of future results, history suggests that the market will start heading in the right direction again.

It is also important, in times like these, to have someone on your side. As your trusted advisor, we at The Bensman Group want to help you make the most appropriate decisions for your long-term financial and non-financial health. The more we know you and your goals, dreams and aspirations, the more we can help you:

  • Be proactive rather than reactive, so that you can make the most of the opportunities that are available, even in this market.

  • Review your long-term plan and ensure that you are still on target to meet its goals.

  • Optimize your portfolio to maximize your after-tax returns.

  • Design a customized portfolio that is responsive to your goals and expectations, as well as to the market.

  • Consider different options, such as alternative investments and inflation-protected assets, that may be able to help protect you in various economic environments.

  • Evaluate whether you should rebalance your portfolio in the wake of the current market movement, so that you remain comfortable with the balance between risk and reward.

  • Evaluate whether you should consider harvesting losses for tax purposes.

    We want to help you survive, and even thrive in, these difficult times. If you would like to talk about your portfolio, or about any of your financial concerns, give us a call at 847-572-0800, or email me at

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