Financial Basics

Getting Organized

Take Control

Build Your Credit

Banking Basics

Taking the Next Steps

Determine Financial Goals

Creating a Budget

Building Your Career

Borrowing Basics

Investing for Your Future

Investing 101

Saving Strategies

Choose the Right Investment

Investing Online


Increase Your Earning Power

Tuning Your Career

Negotiating for Success

Changing Careers

Going Back to School

Starting Your Own Business

Smart Borrowing

Take Control of Your Debt

Paying for Major Purchases

Getting a Loan

Finance an Education

Managing Your Finances

What's Your Net Worth

Managing Daily Finances

Tax-Planning Strategies


Plan for Financial Success

Creating a Financial Plan

Achieving Short-Term Goals

Plan for Long-Term Goals

Retirement Planning Basics

Investing Wisely

Investing Considerations

What's Right for You?

Investing Techniques

Preserving Your Wealth

Reallocating Your Assets

Insurance Options

Wills and Trusts

Plan for Heirs

Gifting to Family & Charity

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What's Right for You?

Asset allocation is the strategy of investing your money across a variety of different asset classes, as opposed to simply diversifying holdings within one particular asset class. That's because when one sector of the market declines, some or all of portfolio losses may be offset by the performance of sectors on the rise.

Many 401(k) plan participants have no asset allocation strategy, which isn't a wise approach to managing an individual's hard earned money. You may consider consulting with an investment representative to help you determine a diverse portfolio of investments appropriate for your:

  • Level of risk tolerance
  • Investment time horizon
  • Financial objectives

The investment pyramid
The following roster of investment choices covers the spectrum from the most conservative to the more high-risk-yet potentially higher return-investments.

  • Savings preservation/low risk. Cash/money market accounts, Short-term fixed accounts, Time accouts (CDs), Treasury bills
  • Income potential/medium risk. Fixed account options, Government bonds, Corporate bonds, High-yield bonds
  • High growth potential/high risk. Growth-income securities, Large capitalization (large cap) stocks, Mid cap stocks, Small cap stocks, Value stocks, International stocks, Utility stocks, Real estate investment trusts (REIT), Capital appreciation stocks, Emerging markets stocks and bonds, Private equity, Venture capital

Global considerations
Nearly every type of asset class offers securities on a global scale. For example, instead of simply buying U.S. utility stocks, you may take advantage of the huge growth potential-and risk-of Latin American telecommunication stocks.

When building a well-balanced portfolio, it's important to consider all the world's market offerings for the sake of performance potential and risk management through diversification.



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