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Category Archives: Asset Allocation


Retirement Portfolios Underfunded, Study Reveals — Time to Start Saving

A recent study released by ratelines.com reveals that most Americans retirement portfolios are underfunded, resulting in many being unprepared for retirement.  ”Of the 1,153 workers surveyed, 43% have less than $10,000 set aside in their savings accounts for retirement. Approximately 27% of the workforce have less than $1,000 saved. Both percentages have increased since 2009 reports.”  Though the [...]

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Resurrecting a Retirement Portfolio — Good Advice and A Warm Glass of Milk

Has your retirement portfolio – or lack there of- got you up at night? If so, consider reading an excellent round-up article by Jan Rosen of the New York Times ‘Now Is A Perfect Time to Reconstruct A Nest Egg‘ that provides an excellent primer on IRA investing. Even though many investors have been hit [...]

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Behind Closed Doors – The Untold Story About Diversification

Have you ever been a part of one of those trusted conversations where you become privy to information that is so powerful it would disrupt the status quo? Think of the conversations that occur behind closed doors at the White House, corporate boardrooms or U.S. Central Command. We all understand that there are elements of [...]

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Smart Retirement Investing: Using Asset Allocation in Retirement Plans

If you don’t already have your television set to record Jean Chatzky’s Money 911 segment on NBC’s TODAY Show, you might want to as she continues to speak about timely financial topics that are presented in a very straightforward manner, as recently done in an article about retirement plans and investing options. For years, my husband [...]

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Asset Allocation vs. Tactical Allocation – Know the Difference

Asset Allocation is being mistaken form tactical allocation. “It’s the financial fantasy for a post-crash world: Wouldn’t life be grand if you could own one mutual fund that invested in domestic and foreign stocks, bonds, cash, real estate, commodities and currencies, freely shifting investments among categories to take advantage of opportunities, and avoid meltdowns?” Well, [...]

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Asset Allocation and Portfolio Rebalancing Paid Off

As you review your returns for the last year, and possibly the last decade, you may agree that retirement investing was dealt a hard blow; what you may not be aware of is how portfolio rebalancing made great efforts to lessen one’s losses.  Allan Roth of CBS MoneyWatch gave some noteworthy advice for the next [...]

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Asset Class Description: Emerging Market Stocks

Stocks in companies in the 30 or so “emerging” markets are dominated by Asia (predominantly Taiwan and Korea) at over 50%, Latin America (20%), Africa and the Middle East (20%) and some smaller European countries are, collectively, considered an asset class.   An investment in emerging markets as part of your asset allocation strategy, is important [...]

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Asset Allocation 101 According to David Swensen of Yale

In David Swensen’s “Unconventional  Success” he covers asset allocation 101 touching on the topic of diversification and the importance of rebalancing, especially for beginners. The following paraphrases from David Swensen’s “Unconventional Success,”  There are core and non-core asset classes.  Core asset classes have 3 critical characteristics: 1) they give basic, valuable differentiable characteristics to an [...]

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Asset Class Description: US Treasury Bonds

Perhaps the most core asset class any investor needs for diversification in an ETF portfolio are US Treasury Bonds. Owners of treasuries have an investment in a portion of the public debt of the United States of America — backed by its full faith and credit.  There is no risk of not getting repaid your [...]

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Tracking 9 ETF Portfolios – Surprise Winners and Losers So Far in 2008

The famous professors at Yale have proven that asset allocation accounts for 90% of a portfolio’s return and that stock picking and market timing account for less than 10%.   So what a great time to look at how different asset allocations are faring in this market! In 2008 it turns out that asset allocation decisions have [...]

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