Most investors seem to worry about picking the right stocks. However, abundant research on billions of investments shows that is almost impossible. Indeed, efforts to pick the right individual securities generally mean above average risks and below average returns.

In most family situations, it is advisable to establish two funding programs before the establishment of any long-range investment program. These are:
－ Emergency cash fund of three to six months of income
－ Life insurance plan for adequate survivor income

The key strategy in almost all investment portfolio decisions should offer a flexible response to changing circumstances and financial needs. Most successful investment efforts must keep pace with an individual’s present or anticipated situations.

Academic studies conducted … Read more “Asset Allocation"

When saving and/or investing money the ultimate purpose for which the dollars may be used should be kept in mind. Unfortunately, many good investments have an inappropriate time frame for the purpose for which they were acquired.