Trimis la data: 2010-06-21
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A portfolio is essentially the sum of all different investments. These investments could include stocks, which are investments in individual businesses; bonds, which are investments in debt that are designed to earn interest; mutual funds, which are essentially pools of money from many investors that are invested by professionals or according to indices; or other investments instruments (such as options, futures, investments on commodities markets). Building a winning portfolio is dependent on a number of factors, but it is important to remember that the portfolio should be designed according to individual needs and goals.
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In this sense, asset allocation may be the most important form of diversification. Also, asset classes carry varying amounts of risk, meaning that the best allocation will depend on a range of factors related to an individual's investing profile.When putting together an asset allocation plan, it is most important to consider investing goals, risk tolerance, and time horizons. Of course, all three of these factors are closely related. Essentially, they allow us to map out how much money we will need at certain points in your life and how much uncertainty we can tolerate in moving from one life stage to the next. Investing goals are closely tied to age and family situations.
Younger people can generally tolerate more risk in their investments because they can afford to wait out bad patches and make up the difference later. Time horizons are simply the lengths of time until the invested money will be needed. Common examples are the time until a child starts college or the time until we retire. Again, long time horizons allow for riskier investments because a temporary downturn will not ruin the long-term plan.
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