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Accumulation.Accumulation planning addresses your investment needs, asset allocation and the suitability of different types of securities depending on your goals and risk tolerance.
Asset allocation is used to distribute your investable assets among a variety of investment categories. This process will help to:
- Reduce overall investment risk
- Create more reliable investment forecasts
- Improve the risk/return tradeoff of your portfolio
Accumulation planning also involves choosing securities for your investment portfolio. Basic securities are stocks, bonds and mutual funds. Separately managed accounts, indices, option strategies, short-term assets and annuities are also used to optimize your portfolio.
Alternative investments may also be an option for the right investor. One of the premier benefits of alternative investments is diversification —the result of including investments that react differently to the markets than more traditional investments. Managed futures, hedge funds, oil and gas, tax shelters and real estate are all examples of alternative investments. They generally involve substantial risk and limited liquidity.
Some situations (usually pertaining to employer-related retirement plans and stock options, margin strategies and real estate exchanges) require different expertise than typical stock and bond portfolio implementation.
Most investors understand that as risk increases, the potential for return also increases. But every person has a point where the level of risk is not worth the potential return. The goal of asset allocation is to provide you with the risk/return scenario that you feel most comfortable with.
Investing in alternative investments may not be suitable for all investors and involves special risks such as risk associated with leveraging the investment, potential adverse market forces, regulatory changes, and potential illiquidity. There is no assurance that the investment objective will be attained. Investors must meet specific suitability standards and understand these investments are for a long-term investment horizon.
Coming Up!
Join
us for our next wealth management session on "Estate Planning: Dos and Don'ts." February 23, 2012 from 12:00-1:30pm. Oakmont, CA. Lunch provided!
Meyers Financial supports Chemo Caps for Kids,
a Commonwealth Financial Network program that provides hand-knit hats to children undergoing cancer treatment.
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- Eleanor Roosevelt
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