[Insert Date] [Insert Client Name [Insert Address 1] [Insert Address 2] [Insert Postal Code]
Dear [Insert Client Name], I understand how difficult the last few months have been for you, and that the impact on your portfolio has been significant. It’s very difficult to stay invested through tumultuous markets. I congratulate you for doing so, believe that your patience will pay off, and your portfolio will recover in time. Historically, markets have always come back to new highs, and I don’t believe this time will be different. With equities dramatically impacted in the recent downturn, your asset allocation has been thrown off our target. I believe that we should rebalance your portfolio now. Not doing so will likely increase the amount of time it will take to regain the ground you have lost. It’s important to note that historically, markets have recovered during the recession. If we wait to see a quarter of positive GDP growth before we adjust your portfolio, you may miss the best opportunity to recover your losses. While the road to recovery will likely be bumpy with more ups and downs to come, history shows that if you miss the best ten days in a recovery from the bottom of the market to the previous peak, you will miss out on over 95% of the recovery. I don’t want this to happen to you. We need to get together to discuss your portfolio in detail. Rather than increase your equity exposure to former levels, I’d like to discuss an alternative opportunity for attractive returns. A unique situation has developed in the high yield corporate bond market. The severe market dislocations of 2008 resulted in highly unusual pricing levels for this asset class which have created the potential for significant returns. Please give me a call to set up an appointment so that we can get your portfolio back on track. Yours truly,
[Insert IA name/signature/contact details]
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