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How Should I Allocate My Assets?

What is asset allocation? It's the way in which you divide your dollars across different investment categories such as cash, equities or fixed income products. Which investments you ultimately make should be based on several factors; some of these factors include your tolerance for risk (market fluctuation) and your investment time horizon. Over 90% of investment returns are determined by asset allocation versus security selection, market timing and other factors.* Once you know your asset allocation, you are one step closer to building your investment portfolio.

*Source: Brinson, Singer, and Beebower, "Determinants of Portfolio Performance II: An Update," Financial Analysts Journal, May-June 1991

Attitudes toward Risk

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.