Investment management includes ASSET ALLOCATION and SECURITY SELECTION:
Asset Allocation is the process of dividing your investment dollars among a variety of complementary asset classes, such as stocks, bonds, real estate, and short-term, highly liquid vehicles including Money Market Funds. This allows your Portfolio to be well diversified.
The ultimate objective of an Asset Allocation program is to develop investment portfolios that are properly aligned with your investment objectives and risk tolerance. A well-diversified portfolio will rarely outperform the top asset class in a given year, however over time, it has often been one of the most effective ways to pursue your long-term financial goals.
Key benefits of a sound Asset Allocation Strategy include:
- Reduced risk – A properly allocated portfolio strives to lower volatility or fluctuation in return, by simultaneously spreading market risk across several asset classes.
- More consistent returns – By investing in a variety of asset classes you can improve the likelihood of participating in market gains and lessen the impact of poorly performing asset class categories on overall results.
- A greater focus on long-term goals – A properly allocated portfolio is designed to alleviate the need to constantly adjust Investment positions to chase market trends. It can also help reduce the urge to buy or sell in response to short-term market swings.
Your investments are aligned with your specific goals and time-horizon that coincide with your current & future needs for income.
- Exchange-Traded Funds (ETFs)
- Index Mutual Funds
- Individual Securities
- Fixed-income Mutual Funds (actively managed)
- Individual Bonds
For your short-term income needs, we consider using Certificates of Deposit (CDs) and short-term treasury securities such as T-Bills.
To schedule an appointment with Paul Levin to review your investments, please click on the link below:
*An exchange-traded fund (ETF) is similar to a mutual fund that tracks a specific stock or bond index, such as the Barclays Capital 1–3 Year Treasury Index. ETFs trade on one of the major stock markets and can be bought and sold throughout the trading day, like a stock, at the current market price. Like stock investing, ETF investing involves principal risk (the chance that you won’t get all the money back that you originally invested), market risk, underlying securities risk, and secondary market price.
*An actively managed investment fund is a fund in which a manger or management team make decisions about how to invest the fund’s money. Such decisions are made in an attempt to do better than the market and involve actively choosing which investments to purchase, hold, & sell for the fund. The fund manager performs an analysis using in-depth techniques and methods that may involve numerous investment options. The goal of an actively managed fund is to perform better than the specific market index with which the fund is being compared.
*Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved.