{"id":358,"date":"2020-06-03T00:00:00","date_gmt":"2020-06-03T00:00:00","guid":{"rendered":"https:\/\/www.retirementrefined.com\/index.php\/2020\/06\/03\/why-is-asset-allocation-important-to-investing\/"},"modified":"2020-06-03T00:00:00","modified_gmt":"2020-06-03T00:00:00","slug":"why-is-asset-allocation-important-to-investing","status":"publish","type":"post","link":"https:\/\/www.retirementrefined.com\/why-is-asset-allocation-important-to-investing","title":{"rendered":"Why is Asset Allocation Important to Investing?"},"content":{"rendered":"<p><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><\/p>\n<p><span data-contrast=\"auto\">To keep your investment portfolio on target for financial goals, you want to balance risk and diversify your assets. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:200,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">That\u2019s the purpose of asset allocation &#8211; the process of dividing your portfolio among major categories like cash, stocks and bonds.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:200,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Historically, the returns of these three major asset categories have not moved up and down at the same time &#8211; so including a mix of these assets in your portfolio can protect against losses.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:200,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">There is no perfect formula for asset allocation &#8211; it differs with each individual depending on their risk tolerance and time horizon. Risk tolerance is the amount of your investment you\u2019re willing, or able, to lose in exchange for greater possible returns.\u00a0 Risk tolerance is closely tied to time horizon, or the amount of time you have to invest.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:200,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">An investor saving to make a down payment on a home in 5 years might choose less risky investments than someone saving for retirement in 20 years. A longer time horizon allows more time to recover from loss.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:200,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Asset allocation may be one of the most important investment decisions you make with your portfolio &#8211; call us today to learn more.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:200,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span class=\"style-scope yt-formatted-string\" dir=\"auto\">(856) 354-3200 <\/span><\/p>\n<p><span class=\"style-scope yt-formatted-string\" dir=\"auto\">paul@retirementrefined.com<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Financial Advisor, Cherry Hill NJ<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To keep your investment portfolio on target for financial goals, you want to balance risk and diversify your assets. \u00a0 That\u2019s the purpose of asset allocation &#8211; the process of dividing your portfolio among major categories like cash, stocks and bonds.\u00a0\u00a0 Historically, the returns of these three major asset categories have not moved up and [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"post_statement":"","post_description":"","post_cta":"","post_button":"Read More","post_button_url":"","compliance_id":"","post_disclaimer":"","footnotes":""},"categories":[1],"tags":[32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70],"_links":{"self":[{"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/posts\/358"}],"collection":[{"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/comments?post=358"}],"version-history":[{"count":0,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/posts\/358\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/media?parent=358"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/categories?post=358"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.retirementrefined.com\/wp-json\/wp\/v2\/tags?post=358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}