{"id":760,"date":"2022-02-09T16:55:59","date_gmt":"2022-02-09T16:55:59","guid":{"rendered":"https:\/\/www.retirementrefined.com\/?post_type=oi_service&#038;p=760"},"modified":"2022-06-21T17:06:03","modified_gmt":"2022-06-21T17:06:03","slug":"investment-management","status":"publish","type":"oi_service","link":"https:\/\/www.retirementrefined.com\/services\/investment-management","title":{"rendered":"Investment Management"},"content":{"rendered":"\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"asset-allocation\">Asset Allocation<\/h2>\n\n\n\n<p>Asset Allocation is the process of&nbsp;dividing your investment dollars&nbsp;among a variety of complementary asset classes, such as stocks, bonds, real estate, commodities, and short-term highly liquid vehicles.&nbsp;<\/p>\n\n\n\n<p>The&nbsp;ultimate objective&nbsp;of an Asset Allocation program is to develop investment portfolios that are properly aligned with investment objectives, consumption needs, and risk tolerance.&nbsp;<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.retirementrefined.com\/wp-content\/uploads\/2022\/03\/Asset-Allocation.jpg\" alt=\"\" class=\"wp-image-2059\" srcset=\"https:\/\/www.retirementrefined.com\/wp-content\/uploads\/2022\/03\/Asset-Allocation.jpg 1024w, https:\/\/www.retirementrefined.com\/wp-content\/uploads\/2022\/03\/Asset-Allocation-300x200.jpg 300w, https:\/\/www.retirementrefined.com\/wp-content\/uploads\/2022\/03\/Asset-Allocation-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"has-text-align-center wp-block-heading\"><strong>Why is portfolio diversification so important? <\/strong><\/h3>\n\n\n\n<p class=\"has-text-align-center\"><strong>Watch this 90-second video to learn why!:&nbsp;<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Why is Asset Allocation Important?\" width=\"800\" height=\"450\" src=\"https:\/\/www.youtube.com\/embed\/tWoCZ1892WE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group card2\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><em><strong><em>Key benefits of Asset Allocation:<\/em><\/strong><\/em><\/p>\n\n\n\n<ul><li><strong>Reduced risk<\/strong>&nbsp;\u2013&nbsp;A properly allocated portfolio strives to lower volatility by spreading market risks across several asset classes&nbsp;&nbsp;<\/li><li><strong>More consistent returns<\/strong>&nbsp;\u2013&nbsp;By investing in a variety of asset classes you can improve the likelihood of participating in market gains and lessen the impact of poorly performing asset class categories on overall results.<\/li><\/ul>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"security-selection\">Securities Selection<\/h2>\n\n\n\n<p>Securities used to fund asset allocation models:<\/p>\n\n\n\n<ul><li>Exchange-Traded Funds (ETFs)<\/li><li>Index Stock Mutual Funds<\/li><li>Actively managed mutual funds&nbsp;<\/li><li>Individual Stocks<\/li><li>Bonds &#8211; actively managed mutual funds<\/li><li>Individual Bonds<\/li><\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.retirementrefined.com\/wp-content\/uploads\/2022\/02\/Securities-Selection.jpg\" alt=\"\" class=\"wp-image-2061\" srcset=\"https:\/\/www.retirementrefined.com\/wp-content\/uploads\/2022\/02\/Securities-Selection.jpg 1024w, https:\/\/www.retirementrefined.com\/wp-content\/uploads\/2022\/02\/Securities-Selection-300x200.jpg 300w, https:\/\/www.retirementrefined.com\/wp-content\/uploads\/2022\/02\/Securities-Selection-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-small-font-size\"><em>*An exchange-traded fund (ETF) is similar to a mutual fund that tracks a specific stock or bond index, such as the Barclays Capital 1\u20133 Year Treasury Index. ETFs trade on one of the major stock markets and can be bought and sold throughout the trading day, like a stock, at the current market price. Like stock investing, ETF investing involves principal risk (the chance that you won\u2019t get all the money back that you originally invested), market risk, underlying securities risk, and secondary market price.<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>*An actively managed investment fund is a fund in which a manger or management team make decisions about how to invest the fund\u2019s money. Such decisions are made in an attempt to do better than the market and involve actively choosing which investments to purchase, hold, &amp; sell for the fund. The fund manager performs an analysis using in-depth techniques and methods that may involve numerous investment options. The goal of an actively managed fund is to perform better than the specific market index with which the fund is being compared.&nbsp;<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>*Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved.&nbsp;<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investing to pursue your unique needs and desires.<\/p>\n","protected":false},"author":2,"featured_media":2228,"parent":0,"menu_order":2,"template":"","meta":{"post_statement":"","post_description":"","post_cta":"","post_button":"The Process","post_button_url":"","compliance_id":"","post_disclaimer":"","footnotes":""},"oi_service_cat":[],"_links":{"self":[{"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/oi_service\/760"}],"collection":[{"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/oi_service"}],"about":[{"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/types\/oi_service"}],"author":[{"embeddable":true,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/users\/2"}],"version-history":[{"count":25,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/oi_service\/760\/revisions"}],"predecessor-version":[{"id":2227,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/oi_service\/760\/revisions\/2227"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/media\/2228"}],"wp:attachment":[{"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/media?parent=760"}],"wp:term":[{"taxonomy":"oi_service_cat","embeddable":true,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/oi_service_cat?post=760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}