Harris - Allocating Your Assets

Investments and Retirement Planning

Allocating Your Assets

Asset allocation is a systematic approach to balancing risk and return in a portfolio. Its goal is to deliver the most return for a given level of risk, and it requires that investors be realistic about return expectations and their comfort with market ups and downs.

Determinants of Investment Returns

Source: Determinants of Portfolio Performance, Brinson, Hood & Beebower, Financial Analysts Journal July-August 1986

An asset allocation plan should be a long term strategy based on risk and return results over long periods of time. Its theory was developed through a Nobel prize- winning study which proved that overall risk in a portfolio can be reduced by diversifying assets across a combination of asset classes. In fact, it was later proven that 92% of a portfolio’s return is derived from how its assets are allocated. The remaining factors such as security selection and market timing account for only 8% of its return.

Since the asset allocation decision is such a critical one, we will be sure to spend the time and ask the questions that will determine the right blend of assets for your portfolio. Please understand that asset allocation does not assure a profit or protect against a loss.

To learn more about investment advice and guidance, call us at 1-877-225-3863 or email us.

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