Establishing your investment objective
Choosing an investment objective and the right mix of stocks and bonds requires careful thought.
Evalute your situation. Age, health, education, travel, home purchase, retirement, caring for a relative, the need for income or growth all can play a role in your decision.
- Set aside an emergency cash reserve you're comfortable with - usually 3-6 months living expenses.
- Invest other funds you might need within a few years in secure, non-fluctuating assets.
- Then set your sights on your long-term objectives with the asset allocation that consists of the right mix of stocks and bonds.
Asset Allocation
Professional portfolio management
We work closely with clients to evaluate their personal circumstances and build a sound investment strategy to strike a proper balance between income and growth. Fashioning and remaining true to the appropriate asset allocation can be critical to investment success. Key factors that go into the process include:
Time horizon - For how long a period must/can you invest?
Tolerance for risk - Are you willing and can you afford to take near-term risks in the attempt to reap long-term rewards?
Important elements in your decision-making process:
- Immediate cash flow needs
- Inflation
- Taxes
- College education
- Retirement
- Health
- Travel
