Asset allocation
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The document discusses asset allocation and its importance in financial planning. It defines asset allocation as a strategy for choosing between different types of investments like stocks and bonds. A large part of financial planning involves finding an asset allocation that matches a person's risk tolerance and needs. The document states that asset allocation is often the key determinant of long-term returns on a portfolio. It then presents a "bucket concept" that categorizes different asset types into security, growth, and momentum buckets with suggested allocations based on a person's age and risk profile.
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Individual client asset allocation and investment strategies
This document discusses asset allocation strategies and investment philosophies for clients. It describes strategic asset allocation (SAA) as establishing a long-term benchmark portfolio based on a client's objectives and risk tolerance. SAA involves specifying asset classes, expected returns, and deriving an efficient portfolio. Tactical asset allocation allows short-term adjustments within SAA limits. Asset allocation is also discussed in the context of a client's accumulation stage in life. The document also contrasts passive indexing strategies with active investment strategies using bottom-up or top-down approaches.
Active Asset Allocation Solutions
This document provides an overview of Active Asset Allocation, a company that offers asset allocation solutions. It puts forth a responsible approach to preserving long-term financial resources through the application of academic research. The company helps investors better understand and manage their risks to honor commitments in a sustainable way. Active Asset Allocation designs customized dynamic asset allocation models that adapt to investor constraints while controlling inherent portfolio risks through stress testing.
Asset allocation Issues
Strategic asset allocation involves setting long-term target allocations for different asset classes based on an investor's risk tolerance, while tactical asset allocation periodically adjusts the asset mix in response to changing market conditions in order to potentially boost returns or reduce risk in the short-term. While strategic asset allocation focuses on systematic market risk and has historically been the main source of risk for portfolios, tactical asset allocation aims to generate excess returns over benchmarks through shorter-term trading ideas and thematic adjustments based on valuations and market sentiment.
ASSET ALLOCATION
Asset allocation involves dividing investments among different asset classes to reduce risk through diversification. The key steps are determining an appropriate risk profile based on goals and time horizon, then allocating funds across stocks, bonds, and other assets. The main strategies are strategic asset allocation, which assigns long-term weights, and tactical asset allocation, which allows short-term deviations. The optimal mix depends on an individual's risk tolerance and time horizon.
Asset allocation-guide
The document discusses asset allocation and provides guidance on how to build an investment portfolio. It defines asset allocation as dividing investments among different asset classes to reduce risk. The key aspects covered include:
- Asset allocation is the most important factor influencing investment returns, accounting for over 90% of results.
- Common asset classes include stocks, bonds, cash, gold, and real estate.
- An individual's asset allocation should consider their goals, risk tolerance, age, income stability, and time horizon rather than just their age.
- The document provides a process for determining one's asset allocation, including assessing if they are more like a stock or bond based on their career and financial situation.
Portfolio management and asset allocation12111
This document discusses asset allocation and portfolio management. It defines asset allocation as determining optimal allocations across broad asset classes like stocks, bonds, and cash based on an investor's time horizon and risk tolerance. The importance of asset allocation is that different assets react differently to market conditions, allowing diversification that can enhance returns and reduce risk. Portfolio management aims to balance risk and return by matching investments to objectives through asset allocation and rebalancing over time. It outlines steps like setting objectives, developing a strategy, and evaluating performance.
Asset Allocation for Beginners
This document discusses asset allocation and provides guidance on developing investment portfolios tailored to different life stages. It explains that asset allocation involves diversifying investments across asset classes like stocks, bonds, real estate, and cash to reduce risk. Different investment strategies - aggressive, moderate, and conservative - are outlined with recommended allocations for each. The importance of periodically rebalancing a portfolio and adjusting the allocation as life circumstances change is also emphasized.
Asset allocation ppt
Asset allocation refers to how an investor distributes their funds across major asset classes like stocks, bonds, real estate, and cash. The document discusses three main asset allocation strategies: strategic asset allocation involves maintaining a long-term target allocation; tactical asset allocation aims to exploit short-term market changes; and insured asset allocation adjusts based on an investor's risk tolerance which may change with gains or losses. Successful asset allocation requires defining goals, assessing risk tolerance, creating a target portfolio, and periodic review/rebalancing.
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Individual client asset allocation and investment strategies
This document discusses asset allocation strategies and investment philosophies for clients. It describes strategic asset allocation (SAA) as establishing a long-term benchmark portfolio based on a client's objectives and risk tolerance. SAA involves specifying asset classes, expected returns, and deriving an efficient portfolio. Tactical asset allocation allows short-term adjustments within SAA limits. Asset allocation is also discussed in the context of a client's accumulation stage in life. The document also contrasts passive indexing strategies with active investment strategies using bottom-up or top-down approaches.
Active Asset Allocation Solutions
This document provides an overview of Active Asset Allocation, a company that offers asset allocation solutions. It puts forth a responsible approach to preserving long-term financial resources through the application of academic research. The company helps investors better understand and manage their risks to honor commitments in a sustainable way. Active Asset Allocation designs customized dynamic asset allocation models that adapt to investor constraints while controlling inherent portfolio risks through stress testing.
Asset allocation Issues
Strategic asset allocation involves setting long-term target allocations for different asset classes based on an investor's risk tolerance, while tactical asset allocation periodically adjusts the asset mix in response to changing market conditions in order to potentially boost returns or reduce risk in the short-term. While strategic asset allocation focuses on systematic market risk and has historically been the main source of risk for portfolios, tactical asset allocation aims to generate excess returns over benchmarks through shorter-term trading ideas and thematic adjustments based on valuations and market sentiment.
ASSET ALLOCATION
Asset allocation involves dividing investments among different asset classes to reduce risk through diversification. The key steps are determining an appropriate risk profile based on goals and time horizon, then allocating funds across stocks, bonds, and other assets. The main strategies are strategic asset allocation, which assigns long-term weights, and tactical asset allocation, which allows short-term deviations. The optimal mix depends on an individual's risk tolerance and time horizon.
Asset allocation-guide
The document discusses asset allocation and provides guidance on how to build an investment portfolio. It defines asset allocation as dividing investments among different asset classes to reduce risk. The key aspects covered include:
- Asset allocation is the most important factor influencing investment returns, accounting for over 90% of results.
- Common asset classes include stocks, bonds, cash, gold, and real estate.
- An individual's asset allocation should consider their goals, risk tolerance, age, income stability, and time horizon rather than just their age.
- The document provides a process for determining one's asset allocation, including assessing if they are more like a stock or bond based on their career and financial situation.
Portfolio management and asset allocation12111
This document discusses asset allocation and portfolio management. It defines asset allocation as determining optimal allocations across broad asset classes like stocks, bonds, and cash based on an investor's time horizon and risk tolerance. The importance of asset allocation is that different assets react differently to market conditions, allowing diversification that can enhance returns and reduce risk. Portfolio management aims to balance risk and return by matching investments to objectives through asset allocation and rebalancing over time. It outlines steps like setting objectives, developing a strategy, and evaluating performance.
Asset Allocation for Beginners
This document discusses asset allocation and provides guidance on developing investment portfolios tailored to different life stages. It explains that asset allocation involves diversifying investments across asset classes like stocks, bonds, real estate, and cash to reduce risk. Different investment strategies - aggressive, moderate, and conservative - are outlined with recommended allocations for each. The importance of periodically rebalancing a portfolio and adjusting the allocation as life circumstances change is also emphasized.
Asset allocation ppt
Asset allocation refers to how an investor distributes their funds across major asset classes like stocks, bonds, real estate, and cash. The document discusses three main asset allocation strategies: strategic asset allocation involves maintaining a long-term target allocation; tactical asset allocation aims to exploit short-term market changes; and insured asset allocation adjusts based on an investor's risk tolerance which may change with gains or losses. Successful asset allocation requires defining goals, assessing risk tolerance, creating a target portfolio, and periodic review/rebalancing.
Investment
The document defines investment as committing funds to assets with the expectation of receiving future benefits or increasing the value of those assets. It lists the key elements of investment as return, risk, time, money, and securities. The main types of securities discussed are equity, debt, hybrid, and derivative securities. The document distinguishes investment from speculation and gambling, noting that investment involves a long time horizon, limited risk, and decision making based on analysis, while speculation and gambling involve higher risk, uncertainty, and decisions based on less information. Hedging is defined as making an investment to reduce the risk of adverse price movements in an asset.
The Art of Risk Management- Strategic Asset Allocation
This document provides an overview of strategic asset allocation and investment strategy. It discusses:
- Designing an investment strategy, including defining asset allocation benchmarks, allocation ranges, and analyzing historical performance.
- Monitoring an investment strategy through comparing actual performance to feasible benchmark ranges and analyzing tracking error.
- Key points on balancing risk and return through strategic asset allocation and measuring performance in the context of market conditions and investment mandates.
Investment and speculation
This document discusses the key differences between investment and speculation. Investment involves committing money for long-term gains with low to moderate risk and returns based on fundamentals. Speculation involves short-term, high risk bets with potential for high returns based on market psychology. The document also outlines the traditional two-step investment decision process of security analysis and portfolio management to evaluate individual assets and construct a balanced portfolio.
The importance of investment methodology
This document discusses key aspects of developing an effective investment methodology. It emphasizes that investing requires discipline, precision and a well-thought out process rather than speculation. The document outlines a 4-step investment process: 1) respecting capital and instruments, 2) determining primary variables, 3) detailing an investment strategy, and 4) implementing the strategy. It also discusses various analytical tools, investment mechanisms, techniques, and the pros and cons of professional vs. self-guided investing.
Investment process
The document provides an overview of the investment process. It discusses what investment is, why one should invest, when to start investing, what care to take while investing, various types of investments, the investment cycle, client profiling, objective and risk analysis, economic and market analysis, and asset allocation and investment selection and implementation. The key steps in the investment process include understanding investment and risk tolerance, setting goals, diversifying assets, regularly monitoring performance, and rebalancing as needed.
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Investment is putting money into financial assets with the goal of earning a profit in the future. There are four main steps to the investment process:
1. Develop an investment policy by determining financial objectives and creating an emergency fund.
2. Analyze potential investment securities by evaluating industry type, risk level, and expected returns.
3. Value securities by estimating their future benefits and comparing to current market prices to determine attractiveness.
4. Construct a portfolio by selecting a diverse mix of assets that balance safety, growth, liquidity and meet the investor's goals. The portfolio should be regularly evaluated and adjusted if needed to keep optimizing performance.
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The efficient frontier range explained
Mixing different stocks and bonds results in a change to their overall standard deviation and expected return. Most portfolio allocations do not achieve an efficient risk-return tradeoff as they take on more risk than return. The goal is to determine the optimal asset mix that maximizes return for a given level of risk.
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Find out how your money can be invested for the longer term in a professionally managed portfolio that matches your risk profile.
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The document defines investment as sacrificing current consumption for future gain through employment of funds with the purpose of earning additional income or growth over time. It distinguishes investment from speculation based on risk, time horizon, and motives. The objectives, types, and features of ideal investments are described. Risk is categorized as systematic/non-diversifiable versus unsystematic/diversifiable. The portfolio management process including policy, analysis, construction, and evaluation is outlined.
Investment management
Investment management is a generic term that most commonly refers to the buying and selling of investments within a portfolio. Investment management can also include banking and budgeting duties, as well as taxes. The term most often refers to portfolio management and the trading of securities to achieve a specific investment objective.
Investment management – also referred to as money management, portfolio management or private banking – covers the professional management of different securities and assets, such as bonds, shares, real estate and other securities. Proper investment management aims to meet particular investment goals for the benefit of the investors. These investors may be individual investors – referred to as private investors – who have built investment contracts with fund managers, or institutional investors who may be pension fund corporations, governments, educational establishments or insurance companies.
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1. Strategic asset allocation aims to create more efficient portfolios through diversification among asset classes with low to negative correlations. Precious metals like gold have a negative correlation to other assets, improving risk-adjusted returns.
2. Precious metals act as a hedge against inflation and have historically performed well during periods of high inflation. Research shows gold in particular can accurately predict future inflation.
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The document defines investment as committing funds to assets with the expectation of receiving future benefits or increasing the value of those assets. It lists the key elements of investment as return, risk, time, money, and securities. The main types of securities discussed are equity, debt, hybrid, and derivative securities. The document distinguishes investment from speculation and gambling, noting that investment involves a long time horizon, limited risk, and decision making based on analysis, while speculation and gambling involve higher risk, uncertainty, and decisions based on less information. Hedging is defined as making an investment to reduce the risk of adverse price movements in an asset.
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This document provides an overview of strategic asset allocation and investment strategy. It discusses:
- Designing an investment strategy, including defining asset allocation benchmarks, allocation ranges, and analyzing historical performance.
- Monitoring an investment strategy through comparing actual performance to feasible benchmark ranges and analyzing tracking error.
- Key points on balancing risk and return through strategic asset allocation and measuring performance in the context of market conditions and investment mandates.
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This document discusses the key differences between investment and speculation. Investment involves committing money for long-term gains with low to moderate risk and returns based on fundamentals. Speculation involves short-term, high risk bets with potential for high returns based on market psychology. The document also outlines the traditional two-step investment decision process of security analysis and portfolio management to evaluate individual assets and construct a balanced portfolio.
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This document discusses key aspects of developing an effective investment methodology. It emphasizes that investing requires discipline, precision and a well-thought out process rather than speculation. The document outlines a 4-step investment process: 1) respecting capital and instruments, 2) determining primary variables, 3) detailing an investment strategy, and 4) implementing the strategy. It also discusses various analytical tools, investment mechanisms, techniques, and the pros and cons of professional vs. self-guided investing.
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The document provides an overview of the investment process. It discusses what investment is, why one should invest, when to start investing, what care to take while investing, various types of investments, the investment cycle, client profiling, objective and risk analysis, economic and market analysis, and asset allocation and investment selection and implementation. The key steps in the investment process include understanding investment and risk tolerance, setting goals, diversifying assets, regularly monitoring performance, and rebalancing as needed.
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LPL Financial alternative investments
Alternative investments historically have sought to provide investors with several potential investment advantages, including diversification and risk reduction. Alternative investments include hedge funds, managed futures, private equity, private debt and real estate investment trusts. While once only available to institutional investors, thanks to financial innovation more alternative strategies are becoming available to individual investors.
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This document provides an introduction to investment terminology and concepts. It defines key terms like finance, investment, investor, and differentiates investment from speculation and gambling. It also outlines the major participants in the financial system including households, businesses, governments, banks, insurers, pension funds, and mutual funds. Finally, it describes different types of financial securities and markets.
steps involved in Investment process
Investment is putting money into financial assets with the goal of earning a profit in the future. There are four main steps to the investment process:
1. Develop an investment policy by determining financial objectives and creating an emergency fund.
2. Analyze potential investment securities by evaluating industry type, risk level, and expected returns.
3. Value securities by estimating their future benefits and comparing to current market prices to determine attractiveness.
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The efficient frontier range explained
Mixing different stocks and bonds results in a change to their overall standard deviation and expected return. Most portfolio allocations do not achieve an efficient risk-return tradeoff as they take on more risk than return. The goal is to determine the optimal asset mix that maximizes return for a given level of risk.
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The document provides an overview of investment concepts including the meaning of investments, investment objectives, asset classes, factors in investment decisions, the investment process, risk and return, diversification and hedging, and ethical investing. It defines key terms like investments, objectives of investments, asset classes including real and financial investments, the investment process, sources of risk, and how to invest ethically. It also discusses risk and return measurement, diversification and hedging as risk management strategies, and the various sources of risk in investments.
Fm investment vs speculation part-6
This document discusses the differences between investment and speculation. Investors take a long-term approach with moderate risk and return expectations based on careful analysis of company fundamentals. Speculators have a short-term horizon with high risk tolerance and rely on technical charts and market psychology rather than fundamentals. The document also outlines different types of investors, approaches to security analysis, and common errors in investment management such as inadequate understanding of risk and return, poorly formulated investment policies, and improper diversification.
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Find out how your money can be invested for the longer term in a professionally managed portfolio that matches your risk profile.
Basics of Investment
The document defines investment as sacrificing current consumption for future gain through employment of funds with the purpose of earning additional income or growth over time. It distinguishes investment from speculation based on risk, time horizon, and motives. The objectives, types, and features of ideal investments are described. Risk is categorized as systematic/non-diversifiable versus unsystematic/diversifiable. The portfolio management process including policy, analysis, construction, and evaluation is outlined.
Investment management
Investment management is a generic term that most commonly refers to the buying and selling of investments within a portfolio. Investment management can also include banking and budgeting duties, as well as taxes. The term most often refers to portfolio management and the trading of securities to achieve a specific investment objective.
Investment management – also referred to as money management, portfolio management or private banking – covers the professional management of different securities and assets, such as bonds, shares, real estate and other securities. Proper investment management aims to meet particular investment goals for the benefit of the investors. These investors may be individual investors – referred to as private investors – who have built investment contracts with fund managers, or institutional investors who may be pension fund corporations, governments, educational establishments or insurance companies.
Investment management services provide asset allocation, financial statement analysis, stock selection, monitoring of existing investments and plan implementation.
Investment meaning nature
The document defines investment and discusses it from several perspectives. It is generally defined as applying money to earn more money in the future. In finance, investment refers to purchasing a financial product or asset to earn future returns. In business, it means purchasing physical goods like equipment to improve future operations. Economics views investment as utilizing resources today to increase income or output tomorrow. Real investments purchase physical capital while financial investments purchase contracts. The key aspects of investment discussed are risk, return, time horizon, liquidity, and types of financial assets.
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This document discusses strategic asset allocation and why precious metals should form the foundation of every investment portfolio. It makes three key points:
1. Strategic asset allocation aims to create more efficient portfolios through diversification among asset classes with low to negative correlations. Precious metals like gold have a negative correlation to other assets, improving risk-adjusted returns.
2. Precious metals act as a hedge against inflation and have historically performed well during periods of high inflation. Research shows gold in particular can accurately predict future inflation.
3. Precious metals also provide protection during periods of market volatility and financial stress, making them a safe haven asset class to hold. Including them in a portfolio enhances diversification and
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Personal finance[edit]Main article Personal financeQues.docx
Personal finance
[
edit
]
Main article:
Personal finance
Questions in personal finance revolve around:
Protection against unforeseen personal events, as well as events in the wider economies
Transference of family wealth across generations (bequests and inheritance)
Effects of tax policies (tax subsidies or penalties) on management of personal finances
Effects of credit on individual financial standing
Development of a savings plan or financing for large purchases (auto, education, home)
Planning a secure financial future in an environment of economic instability
Warren Buffett
is an American investor, business magnate, and philanthropist. He is considered by some to be one of the most successful investors in the world.
Personal finance may involve paying for education, financing
durable goods
such as
real estate
and cars, buying
insurance
, e.g. health and property insurance, investing and saving for
retirement
.
Personal finance may also involve paying for a loan, or debt obligations. The six key areas of personal financial planning, as suggested by the Financial Planning Standards Board, are:
[1]
Financial position
: is concerned with understanding the personal resources available by examining net worth and household cash flow. Net worth is a person's balance sheet, calculated by adding up all assets under that person's control, minus all liabilities of the household, at one point in time. Household cash flow totals up all the expected sources of income within a year, minus all expected expenses within the same year. From this analysis, the financial planner can determine to what degree and in what time the personal goals can be accomplished.
Adequate protection
: the analysis of how to protect a household from unforeseen risks. These risks can be divided into the following: liability, property, death, disability, health and long term care. Some of these risks may be self-insurable, while most will require the purchase of an insurance contract. Determining how much insurance to get, at the most cost effective terms requires knowledge of the market for personal insurance. Business owners, professionals, athletes and entertainers require specialized insurance professionals to adequately protect themselves. Since insurance also enjoys some tax benefits, utilizing insurance investment products may be a critical piece of the overall investment planning.
Tax planning
: typically the income tax is the single largest expense in a household. Managing taxes is not a question of if you will pay taxes, but when and how much. Government gives many incentives in the form of tax deductions and credits, which can be used to reduce the lifetime tax burden. Most modern governments use a progressive tax. Typically, as one's income grows, a higher
marginal rate of tax
must be paid. Understanding how to take advantage of the myriad tax breaks when planning one's personal finances can make a significant impact in which it can later save you money in .
retirement planning
StateTrust specializes in providing financial products and services to help clients reach their retirement goals. The document emphasizes that it is never too early to start retirement planning, as the sooner one begins saving and investing, the more their money can benefit from compound returns. It is recommended to start retirement planning 15 to 20 years before leaving the workforce to better handle unexpected expenses. StateTrust can help clients establish a customized retirement plan based on their individual financial situation and goals to work towards a secure retirement.
StateTrust Investments
StateTrust specializes in providing financial products and services to help clients reach their retirement goals. The document emphasizes that it is never too early to start retirement planning, as the sooner one begins saving and investing, the more their money can benefit from compound returns. It is recommended to start retirement planning 15 to 20 years before leaving the workforce to better handle unexpected expenses. StateTrust can help clients establish a customized retirement plan based on their individual financial situation and goals to work towards a secure retirement.
Dedicated to-your-lifelong-success
This document provides an overview of financial planning services to help clients achieve their goals. It discusses the importance of addressing financial comfort, retirement planning, taxes, family needs, education, and legacy building. It then outlines a comprehensive wealth advisory process that includes discovery of client goals, analysis of their financial situation, development of a customized plan, implementation with a team of experts, and ongoing monitoring. The goal is to help clients gain confidence and security in their financial future by staying disciplined and focused on long-term objectives, rather than being swayed by short-term emotions in the markets.
takingcontrol_financialfuture (1)
This document provides an overview of a presentation on taking control of one's financial future. The agenda covers planning for the future, protection, wealth accumulation, retirement planning, estate planning, and business planning. It emphasizes starting financial planning early, having protection through insurance and savings, maximizing savings potential over a lifetime, and developing a comprehensive plan to meet financial goals. Regular monitoring and adjustments are important as circumstances change. Working with a financial professional can help navigate complex financial issues.
How Do You Know That Your Advisor Knows
This document discusses how plan sponsors can evaluate whether their retirement plan advisor has sufficient expertise. It notes that less than 1% of financial advisors focus primarily on defined contribution plans. The document provides 8 questions plan sponsors should ask their advisor to assess the advisor's competency, including whether the advisor acts as a fiduciary, understands plan designs and fees, and implements robust processes for benchmarking and participant education. It encourages plan sponsors to contact the author if concerned about their current advisor's qualifications.
Ppt Sd10provsem
The document provides strategies for financial planning including knowing your current financial situation, being prepared for emergencies, ensuring adequate insurance, creating an estate plan, reducing debt, long-term investing, asset allocation, dollar cost averaging, maximizing retirement contributions, choosing financial advisors, clarifying goals, and regularly reevaluating progress. It emphasizes the importance of a financial plan and working with professionals to protect assets and provide for future needs.
Ppt Sd10provsem
The document provides strategies for financial planning including knowing your current financial situation, being prepared for emergencies, ensuring adequate insurance coverage, creating an estate plan, reducing debt, long-term investing, asset allocation, dollar cost averaging, maximizing retirement contributions, choosing financial advisors, clarifying goals, and regularly reevaluating progress. Key advice includes developing a financial plan, remaining disciplined, and working with professionals to protect assets and achieve financial goals over time.
Press release state trust - financial planning (2)
StateTrust provides financial planning and wealth management services to help clients reach their investment goals and objectives. Financial planning involves developing a strategy to accomplish financial targets in areas like risk management, education savings, taxes, retirement, and estate planning. StateTrust's team of advisors create customized portfolio solutions for clients and provide ongoing reviews, asset allocation recommendations, and performance reports. The firm's financial planning process includes analyzing a client's current investments and cash flows, designing a diversified portfolio aligned with their risk tolerance, and establishing an investment policy statement outlining the strategic financial plan.
Sterling White Paper - Selecting an Investment Advisor
The document provides guidance to clients on choosing the right investment advisor. It discusses assembling a selection committee and defining family goals. Key factors in defining an advisor's role include whether they have discretionary or non-discretionary authority, if they offer advice-only or product-driven solutions, and if they are a large firm or boutique. The document also discusses assessing important factors, creating an evaluation scorecard, making a decision, communication, and ongoing monitoring of the advisor.
Financial planning
The document discusses the key aspects of financial planning including defining financial planning, why it is important, and the various components involved such as budgeting, saving, investing, insurance, taxes, estate planning, and retirement planning. Financial planning is the process of developing a plan to manage finances and meet life goals. It involves gathering financial information, setting goals, examining one's financial situation, and developing a strategy to meet objectives given current resources and future plans.
The Traits of a Good Investor
Women can't afford to avoid investing, but they don't have to do it alone either. Do your due dilligence on selecting a financial advisor who actually has additional credentials beyond just being licensed to sell you an investment. Ask the advisor how long they have been in the business, and what have they done to become a better advisor since they started. Just because someone has been in the business 15 years, doesn't mean they haven't simply repeated the first year 14 other times!
Similar to Asset allocation (20)
Steve Redelsperger – Proactive Advisor Magazine – Volume 4, Issue 5
Steve Redelsperger – Proactive Advisor Magazine – Volume 4, Issue 5
press release - state trust - financial planning for seniors 2 (2)
press release - state trust - financial planning for seniors 2 (2)
StateTrust Investments press release - state trust - equity management stocks
StateTrust Investments press release - state trust - equity management stocks
Jeanne M. Hogarth - Build Your Financial Literacy Toolkit
Jeanne M. Hogarth - Build Your Financial Literacy Toolkit
Personal finance[edit]Main article Personal financeQues.docx
Personal finance[edit]Main article Personal financeQues.docx
Press release state trust - financial planning (2)
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South Dakota State University degree offer diploma Transcript
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
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Asset allocation
- 1. Asset Allocation Murray Priestley Alpha Holdings Management
- 2. General Advice Disclaimer The information in this presentation is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant products having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statements or other offer documents prior to acquiring any financial product.
- 3. DON’T have a Financial Plan 85%
- 4. Asset allocation is the strategy used in choosing between the various kinds of possible investments, in other words, the strategy used in choosing in what asset classes such as stocks and bonds one wants to invest. source: wikipedia.org
- 5. A large part of financial planning consists of finding an asset allocation that is appropriate for a given person in terms of their appetite for and ability to shoulder risk. This can depend on various factors. source: wikipedia.org
- 6. In most cases it is the key determinant of your portfolio's long term rate of return How important is Asset Allocation?
- 9. Cash Money Market Accounts Government backed bonds (US T-Bills, Treasury Notes, Municipal bonds, etc.) Equity in your primary residence (Australia) Equity in any real estate (US) Most Fixed Income investments Most Capital Secured Funds Security Assets
- 10. Shares/Equities Share Rental Real Estate Most Managed/Mutual Funds Most ETF Most Hedge Funds Equity in your business Real Estate Syndicates Mezzanine Funds Growth Assets
- 11. Forex Options (Equity/Futures) Futures/Commodities Managed Futures/CTA Emerging Market ETF Distressed Asset ETF Private Equity s Venture Capital Angel Investments IPO/Start-ups Momentum Assets
- 12. Risk Profile Age Security Growth Momentum < 40 years 30% 35% 35% 40 to 60 yrs 50% 25% 25% > 60 years 70% 15% 15%