Three Traditional Asset Classes
- Stocks tend to involve higher risk, but have conversely provided higher returns over time.
- Bonds tend to involve less risk, but also produce more conservative returns.
- May be used to provide portfolio income.
- Cash Equivalents tend to be the least risky, and thus provide the most conservative returns. Used mainly to preserve principal
Individual stock and bonds are generally not for the inexperienced investor. Mutual funds and exchange-traded funds are better options for beginners to consider. Index funds maybe the so-called poor man’s portfolio, but it’s a good start market rookies.
After you’ve taken a risk tolerance test and feel comfortable in your own self-assessment, you should present that diagnosis to a qualified financial adviser. Constructing your portfolio can be a daunting task, once you understand your own psychonomics, you can select one of the 5 basic investor profiles as an identity for building our your portfolio by asset mix.
Conservative – Moderate – Growth – Growth
Large Cap Growth 6% 10% 13% 16%
Large Cao Value 6% 10% 13% 16%
Large Cap Blend 6% 8% 12% 15%
Mid –Small Cap Growth 3% 4% 6% 11%
Mid – Small Cap Value 3% 4% 6% 11%
Mid – Small Cap Blend 3% 4% 6% 11%
Foreign Stock 8% 10% 14% 20%
Bonds 55% 40% 20% 0%
Money Market 10% 10% 10% 0%
This is just an example of an asset mix allocated by a basic understanding of risk.
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Since 2003, we have been serving our communities around Atlanta, GA with affordable insurance. In 2007, we rebranded our business as Velox Insurance. Velox Insurance, Inc was established with the goal of providing competitive rates and superior customer service to meet insurance needs of our customers in the Southeast.
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Norwalk Insurance Agency Educates On The Cost of Contractors Insurance
Norwalk, Connecticut (findit ) January 20, 2021 – JMG Insurance, a Norwalk specialty insurance agency, offers readers some valuable information regarding how much contractors insurance costs. The new article is guided by the insurance experts at JMG who have extensive experience helping clients find the perfectly priced plan for their needs. They have designed this new article to help readers get a better idea of what factors will affect the cost of contractor’s insurance the most.
JMG Insurance offers readers some valuable information that explains how to calculate what the cost of contractor’s insurance may potentially be. In the article, they explain what contractors insurance is before getting into the things that affect their cost. Some of the factors they go over include the number of employees, the types of contracting jobs, the risks associated with services, and others. They hope that this article will help contractors searching for insurance understand what to expect while also demonstrating the importance of working with experts.
While this new article focuses on explaining how to calculate the cost of contractor’s insurance, JMG’s website offers visitors more information regarding their team, experience, as well as a full list of service offerings. JMG offers personal, business, and specialty insurance that helps clients get the protection they need at the best possible rate. They offer thorough insurance plans for business owners, contractors, errors and omissions, general liability, group benefits, construction companies, and more. Their agency was built on the principles of providing superior customer service and quality insurance solutions for their clients, and they work hard to uphold these values. Their team strives to make the insurance process as simple as possible for every client.
With the addition of this new article, the team at JMG hopes that contractors will have a better understanding of what factors will affect how much a comprehensive insurance plan will cost. For more information, reach out to the qualified contractor insurance experts at JMG today at 1-844-304-7332 or visit their website at https://jmg.com/. Their offices are located at 29 Haviland Street in Norwalk, Connecticut 06854.
Apply For Student Debt Relief Programs Available to Borrowers with Freedom Loan Resolution
Students that are living paycheck to paycheck and struggling to make ends meet as a result of their past due student loans can apply for available student debt relief programs with Freedom Loan Resolution. We our a group of experienced student loan debt counselors that know and understand the situation that you are in and we are here to help you apply for the right debt relief program to meet your needs.
Oftentimes, juggling mandatory living expenses such as housing payments, car payments, utilities, and food and credit card bills, there is not enough money left over to pay your student loan debt. Moreover, when you are in a financial hardship, struggling to make ends meet, it can be difficult to figure out the best course of action for your student loan debt. Let us help you apply for the right debt relief program that will help you get the debt relief that you need so you can move forward on the right financial path.
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In student loan forgiveness, students may be eligible for a principal reduction, partial loan forgiveness, or total loan discharge. Each case is different and we will help determine which you qualify for.
For some students, an income based payment plan can be the right choice. With an income based payment plan, students repay their student loans at a rate that is calculated based on their income and family sizes. In some cases, this could mean a payment of $0.00 per month.
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