A Wealth of Common Sense

JULY 13, 2023

A reader asks: I am a 34-year-old with a high risk tolerance. All of my investment accounts are 100% invested in stocks. The one thing I have a hard time finding a tried and true answer on when I do research is how to best allocate my stock investments among large-cap, mid-cap, international, emerging markets, etc.

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The Chicago Financial Planner

NOVEMBER 8, 2021

During the financial crisis there were many stories about how our 401(k) accounts had become “201(k)s.” If so, this is a good time to revisit your asset allocation and perhaps reduce your overall risk. Manage your portfolio with and eye towards downside risk. Review and rebalance . Learn from the past .

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WiserAdvisor

APRIL 25, 2023

Many people invest in their company-sponsored 401(k)s but only sometimes take the time to review the investments within the account. Rebalancing involves adjusting the mix of assets in your 401(k) portfolio to maintain a desired level of risk and return. Click to compare vetted advisors now. What is 401(k) rebalancing?

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MainStreet Financial Planning

DECEMBER 20, 2023

Beef up your emergency fund – A good rule of thumb is to have between 3-6 months’ worth of expenses set aside in a high-yield savings account. The catch-up contribution (available for anyone over age 50) remains the same at $7500 for elective deferral account and $1k/year for Traditional and Roth IRAs.

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Carson Wealth

DECEMBER 1, 2022

Most employer retirement plans allow you to save on a tax-deferred basis, meaning that contributions into these types of accounts are not considered in calculating your taxable income. . Additionally, her employer will put $4,000 in her account annually as a match.? ? . Compounding interest can be power for Lisa.

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Nationwide Financial

DECEMBER 7, 2022

A market downturn at the start of retirement, hitting portfolio values when retirees begin to take account withdrawals, can be unsettling, even for seasoned investors. It’s not surprising to see many investors checking their retirement account balances more than three times per week (53% of women and 34% of men report doing this*).

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WiserAdvisor

SEPTEMBER 6, 2023

Overindulgence in information can lead to poor decisions, and excessive monitoring of your retirement account balance can result in stress. Checking your retirement account balance too often can have a psychological impact on you. Therefore, exploring the optimal frequency for checking your retirement account is essential.

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Clever Girl Finance

OCTOBER 8, 2024

Potential risks or downsides of investing in the stock market While investing can be an awesome way to build your wealth, it’s super important to know about the potential risks too: Market volatility The stock market can really bounce around, which might lead to some short-term losses. They can chip away at your returns.

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WiserAdvisor

DECEMBER 15, 2023

For instance, they can guide you on leveraging employer-sponsored retirement plans, such as a 401(k) with employer matches, to optimize your contributions and harness the full benefits of the accounts. It also ensures that your portfolio caters to your risk appetite, irrespective of whether you are risk-averse or risk-tolerant.

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Good Financial Cents

JUNE 11, 2023

One thing that I have craved for investors is a tool that allows you to sync all your financial accounts – your investment portfolio, checking and savings accounts, credit cards and other loan accounts – in one place, and then provides an investment-related analysis of your entire portfolio.

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WiserAdvisor

DECEMBER 3, 2023

It ensures that your portfolio aligns with your risk tolerance and enables you to establish the desired equilibrium between stocks and bonds. This helps you maintain a risk profile that resonates with your financial goals. It allows you to realign your asset allocations as your financial objectives evolve.

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Fortune Financial

SEPTEMBER 25, 2023

Your financial goals and risk tolerance are the roadmap for your entire wealth management strategy, shaping your decisions and the services you require. Risk Tolerance Identify and consider your risk tolerance when setting your financial goals. Incomes and Expenses Evaluate your current financial situation.

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WiserAdvisor

FEBRUARY 29, 2024

They help with asset allocation Asset allocation is an important component of successful retirement planning, and working with the best financial advisors for retirement can provide invaluable guidance in navigating this complex terrain. This can help optimize your wealth accumulation while mitigating unnecessary risks.

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WiserAdvisor

MARCH 30, 2023

For instance, if your goal is retirement, you can use retirement-specific investment vehicles, such as the 401(k) retirement account or the Individual Retirement Account (IRA), to prepare for your retirement needs. You must consider your risk tolerance and ability to tolerate market fluctuations. is essential.

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Workable Wealth

SEPTEMBER 16, 2020

Asset Allocation. Building on diversification, asset allocation is an investment strategy that builds your portfolio by weighing an adequate amount of risk for your goals. Asset allocation evaluates how your portfolio is created and the specific securities you are investing in. Dollar-Cost Averaging.

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Nationwide Financial

MARCH 1, 2023

An ample emergency fund can prevent the need to take on debt, borrow from retirement accounts or sell investments during turbulent times. Even with diligent financial planning, relying on a single source of income may expose a client to heightened financial risk during an economic downturn. Diversify your client’s income sources.

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eMoney Advisor

MARCH 21, 2023

While we can tell clients that the markets over time have an upward trend, it’s still a challenge to help them remain rational when they are looking at recent account statements and seeing a loss. You can also look at cash management and debt reduction solutions. When the market is down, Roth conversions are essentially on sale.

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Zoe Financial

MAY 18, 2023

They can help you analyze your current investments, optimize your asset allocation, and make necessary adjustments to ensure your retirement nest egg grows steadily. They have the experience and expertise to help you develop a long-term investment strategy that aligns with your risk tolerance and financial goals.

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Fortune Financial

SEPTEMBER 25, 2023

Your financial goals and risk tolerance are the roadmap for your entire wealth management strategy, shaping your decisions and the services you require. Risk Tolerance Identify and consider your risk tolerance when setting your financial goals. Incomes and Expenses Evaluate your current financial situation.

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WiserAdvisor

MAY 13, 2025

Spread your investments across different asset classes Asset allocation involves distributing investments across different asset classes to balance risk and return. Asset allocation should evolve based on an investors risk tolerance and retirement stage.

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Your Richest Life

SEPTEMBER 10, 2024

Your ideal investing strategy will be unique to you: your life phase, goals and risk tolerance will all play a role in informing your “ideal” methodology. Make sure that the investments in your account reflect what you are trying to accomplish, both short and long term.

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WiserAdvisor

DECEMBER 13, 2023

Adapt your approach Late starters should consider a strategic shift in their asset allocation. Balancing risk with stable, reliable investments is crucial to minimize the impact of market volatility and ensure a steady income stream during retirement. Here’s how you can leverage them: a.

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Good Financial Cents

SEPTEMBER 2, 2022

residents 18+ and subject to account approval. While you can keep your emergency fund in any account you want, it’s smart to look for online banks that pay high rates on savings, money markets, and certificates of deposit (CDs). In the meantime, a high-yield savings account can keep your e-fund easily accessible when you need it.

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Talon Wealth

AUGUST 26, 2023

For example, you may invest in tax-advantaged accounts, such as a traditional IRA, because it will offer the most tax benefits. However, you may not understand what is the purpose of tax-deferred retirement accounts or understand that these accounts may not necessarily provide the best investment options for your situation.

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Talon Wealth

OCTOBER 26, 2023

For example, you may invest in tax-advantaged accounts, such as a traditional IRA, because it will offer the most tax benefits. However, you may not understand what is the purpose of tax-deferred retirement accounts or understand that these accounts may not necessarily provide the best investment options for your situation.

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WiserAdvisor

APRIL 16, 2025

They rely on both qualitative and quantitative analyses to select investments that are aligned with your financial goals, risk tolerance, and time horizon. The right allocation helps ensure that your portfolio is balanced and diversified. Asset allocation requires constant monitoring.

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Darrow Wealth Management

MARCH 28, 2022

Going overboard on your cash savings can hurt you too, so be careful not to sideline too much money in a cash account. If you’re assuming a static investment return every year, you haven’t accounted for market volatility. Asset allocation. If you’re out of work for a year , you may not need to sell your home.

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Investing Caffeine

MARCH 1, 2024

Regardless, the goal of long-term investing is to master the art of maximizing returns and limiting taxes subject to your risk tolerance. In a diversified portfolio that that takes account of your risk tolerance, we strongly believe low-cost, tax-efficient, long-term investing is the best way to create your retirement masterpiece.

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Investing Caffeine

MAY 3, 2023

Are you overly concentrated in one asset class, sector, or individual security? Risk Tolerance: What is your asset allocation? Tax Planning: Are you maximizing your tax-deferred investment accounts? If you are over-tilted on one side of your financial boat, it could tip over.

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WiserAdvisor

SEPTEMBER 27, 2023

Consult with a financial advisor to understand the benefits of having a 401(k) and managing a sum as large as over $2 million in the account. Is having over $2 million in your retirement account enough? These figures do not take into account factors like inflation, emergencies, and other changes in your financial situation.

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Brown Advisory

OCTOBER 11, 2021

In this brief paper, we will touch on what we believe are some of the most important issues and questions—including the different types of assets, return potential, fees, liquidity, diversification, volatility and transparency—that investment committees must understand as they weigh adding alternatives to their portfolios.

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Brown Advisory

OCTOBER 11, 2021

In this brief paper, we will touch on what we believe are some of the most important issues and questions—including the different types of assets, return potential, fees, liquidity, diversification, volatility and transparency—that investment committees must understand as they weigh adding alternatives to their portfolios.

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Harness Wealth

JUNE 1, 2023

These services typically include: Wealth Management: Advisors can offer customized investment portfolios aligned with your risk tolerance, time horizon, and financial objectives. Financial advisors can handle asset allocation and portfolio management, monitoring your investments for adherence to your agreed-upon investment strategy.

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Brown Advisory

SEPTEMBER 29, 2020

The formula takes into account that CGA donors generally enjoy an extended life expectancy relative to the general population, and also assumes a 1% administration and investment management fee. The ACGA suggests a set of payout rates for gift annuities that are designed to leave a 50% residuum (i.e.,

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Brown Advisory

SEPTEMBER 29, 2020

The formula takes into account that CGA donors generally enjoy an extended life expectancy relative to the general population, and also assumes a 1% administration and investment management fee. The risk tolerance of the institution. The desired variability in the asset to liability ratio. Reinsurance considerations (i.e.,

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WiserAdvisor

NOVEMBER 6, 2023

You may consult with a professional financial advisor who can help suggest suitable investing strategies that align with your risk tolerance, future goals, and needs. For instance, when saving for your child’s higher education, it may be advised to channel your funds wisely to a 529 account. Liquidity is vital here.

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WiserAdvisor

JUNE 22, 2023

It is essential for your investment portfolio to align with your unique financial goals, risk tolerance, and time horizon. Your investment returns, distributions from retirement and pension accounts, Social Security benefits, dividend payments, etc., account for your retirement income.

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