Asset Allocation

Regardless of the type of qualified or non-qualified plan you are in, asset allocation will be one of the most important decisions you make to optimize the return on your investments and reduce risk. Assets for purposes of this discussion will be limited to stocks, bonds and cash (money market funds). Stocks are considered to have more risk than bonds. Some stocks are riskier than others. The greater the risk, the higher the expected return, accompanied by greater volatility in the price movement of the stock. The allocation of stocks and bonds in your portfolio should be determined by your tolerance for risk and the time horizon for your need to draw funds from the portfolio.

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