tips to enhance your wine tasting and investing experience
TRANSCRIPT
Serving Tips
• Choose the right temperature– Cooler (45-50° F) for white wines– Warmer (50-65° F) for red wines
• Pour wine into a decanter to let it breathe
• Don’t overfill
• Use the proper wine glass
How to Choose the Right Glass Sparkling Wines: Taller and thinner
White Wines: Shaped more like
a tulip
Red Wines: Rounder with a
larger bowl
Make the Most of Your Wine Tasting Experience
A 4-Step Tasting Guide 1. Look at the color
and clarity2. Smell the wine3. Savor the taste4. Record your
observations
Look
Smell
Taste
Record
Taking Notes
• Aroma—Is it weak, nice, complex, brawny, powerful, fruity, spicy, floral, woody, veggie or chemical?
• Taste—Factors to consider: sweetness, fruitiness, acidity or tartness, tannin and aftertaste
Entertaining with WineHow to Pair Wine with Food• Light wines—better with chicken or seafood• Heavy wines—complement beef or steak• If serving different wines, follow these principles:
– Light before heavy– Dry before sweet– Lower alcohol before high
Beef or steak with Red Burgundy, Cabernet Sauvignon or Zinfandel
Grilled chicken with Beaujolais or Merlot
Lobster with Chardonnay
Lamb with Red Bordeaux, Pinot Noir or Chianti
Salmon with Pinot Noir
Gumbo or other spicy dishes with Zinfandel or Gewurztraminer
Oysters with Chablis
Chocolate with Cabernet Sauvignon
Pairing Wine with FoodClassic Combinations
Think Long-Term: Like Wine, Investing Can Improve with Age!
Stocks have generated positive returns in every 15-year period since 1926
Source: Standard & Poor’s. This table shows the percentage of positive versus negative returns for the S&P 500 Index over 1-, 5-, 10-, and 15-year holding periods from 1926 through 2012. The S&P 500 is an unmanaged index of 500 common stocks, which are representative of the U.S. stock market. The data assumes reinvestment of income and does not account for taxes or transaction costs. Indices are unmanaged. An investment cannot be made directly in an index. Past performance is not a guarantee of future results.
28% 14% 5% 0%
72% 86% 95% 100%
1-year period 5-year period 10-year period 15-year period
% of Periods with Gain % of Periods with Loss
Let Your Investments “Breathe” Being impatient and jumping in and out of the markets
may reduce your returns
Source: Wellington Management Company, 2013. This chart is for illustrative purposes only. It is based on the S&P 500 Index and is not intended to be indicative of the performance of any specific investment. Indices are unmanaged. An investment cannot be made directly in an index. Past performance is not a guarantee of future results.
-0.02%
The cost of missing the best days of the equity market from 1992-2012
If you missed the market’s40 best days
If you were fully invested for theentire period
2.09%
8.22%
If you missed the market’s30 best days
If you missed the market’s20 best days
If you missed the market’s10 best days
4.53%
-1.94%
Don’t Chase PerformanceTop-Rated Wines from 1992-2011
Like wine, it’s difficult to pick the top-rated investment every year!
This vintage chart should be regarded as a very general overall rating slanted in favor of what the finest producers were capable of producing in a particular viticultural region. Such charts are filled with exceptions to the rule; for example, astonishingly good wines from skillful vintners in years rated mediocre, and thin, diluted wines from incompetent producers in great years. Chart prepared by SunAmerica using select information from The Wine Advocate’s Vintage Guide 1970-2011 (Date: 6/21/12). Source: www.eRobertParker.com.
Diversify to Help Generate More Consistent Returns
PAST PERFORMANCE IS NOT A GUARANTEE OF FUTURE RESULTS. The historical performance data for each index is provided to illustrate market trends. Indices are unmanaged and do not represent the performance of any specific fund or investment product. You cannot invest directly in the indices. Indices do not include expenses, fees, or sales charges that are typically associated with investments and would lower performance results. Equity investments are subject to market risk. Stocks with lower market capitalization generally involve greater risks. An investment in foreign securities may be subject to different and additional risks associated with, but not limited to: foreign currencies, securities regulation, investment disclosure, commissions, accounting, taxes, political or social instability, war, or expropriation. Bonds and bond funds are subject to interest rate risks. If held to maturity, bonds can provide a fixed rate of return and a fixed principal value, while bond funds will fluctuate in value and may be worth more or less than your original investment when redeemed. High yield bonds are subject to greater price swings than higher-rated bonds and payment of interest and principal is not assured. Source: Wilshire Compass, 2013.
Performance of Various Asset Classes from 1993-2012
Consider the Potential Impact of Diversification on Your Portfolio
Diversified Portfolio
Previous Year’s Best Asset Class
Diversification vs. Chasing Performance Value of $10,000 Invested Annually (1993-2012)
A difference of more than $48,000!
Source: Wilshire Compass, 2013. The Diversified Portfolio is invested equally in the eight asset classes shown in the previous slide. Diversification does not ensure a profit or protect against market loss. There is no assurance a diversified portfolio will outperform a non-diversified portfolio. Past performance is not a guarantee of future results.
$413,095
$364,256
These proven investment strategies may help you build the financial security you need to really enjoy the pleasures of wine tasting!