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Here is our current asset allocation investment recommendation. Long-Term Investment Allocation (for funds not needed for at least 5 years) 70% Emerging Markets (with a concentration in Brazil) 25% U.S. Large Cap (with a concentration in technology (hardware and software)) 5% Energy Advice from investment professionals: Mohamed El-Erian (PIMCO) hold fewer U.S. shares and more foreign shares to profit from later growth [...] Read more » Many lessons that athletes learn on the field can apply for all investors and portfolio managers too. The keenest lesson is that when the calls are not going your way or your best sluggers are sluggish, sometimes swinging for the fences is not the right approach. Especially in an uncertain investment environment, your best offense [...] Read more » Goal-based investing is having a focus on goals – rather than portfolio performance – to determine the annual income you’ll need for retirement or other goals. As defined benefit plans fade into history, more American workers are confronting the fact that they will need to be much more active in deciding how to allocate their retirement [...] Read more » Asset classes have varying degrees of volatility. Generally, the closer you are to your objective the more you should be invested in less volatile asset classes. This argument has merit for objectives such as college education or travel when a definite withdrawal from your investments is expected. It also has merit for a new retiree who [...] Read more » Before you begin to design your investment portfolio’s asset allocation you need to get a handle on three things: Your Goals Your Risk Tolerance Your Time Horizon You’ll want to build a portfolio that’s low-cost, easy to maintain and tax-efficient. That means that you’ll want to take a close look at passive index portfolios. You can [...] Read more » You may have found some asset classes that are well-aligned with your investment time horizon. However, your portfolio may be overly concentrated in some asset classes that overly-expose you to specific risks. Diversification reduces risk but doesn’t eliminate it. As an investor you should be concerned that you know the risks inherent in an investment, [...] Read more » To have good investment growth with the potential for reduced volatility and risk you should strongly consider investing globally. By incorporating international stocks into your portfolio you are tapping into a market that contains many great companies. You also get exposure to currency changes which has the potential to protect you from future [...] Read more » |
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