Accumulation planning addresses an individual's investment
needs, asset allocation, and the suitability of different
types of securities in light of your goals and risk tolerance.
In today's world, there are common needs and desires people
seek to accomplish. To protect their ability to earn and accumulate
wealth, many people choose to hold insurance, as well as maintain
an emergency fund, to guard against depleting savings that
are intended for other goals.
Asset allocation is used to distribute your
investable assets among a variety of investment categories.
This process will:
- reduce overall investment risk
- create more reliable investment forecasts and
- improve the risk/return tradeoff of your portfolio
Accumulation planning also involves the choice of
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.
Some situations require different expertise than typical
stock and bond portfolio implementation. These situations
usually pertain to employer-related retirement plans and stock
options, margin strategies, and real estate exchanges.
Most investors understand that as risk increases, the potential
for return also increases. But there is a point for every
individual 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 is most comfortable
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