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| Name | Portfolio Asset Allocation Explained - How To Adjust by Age |
| Video Uploader | Video From Optimized Portfolio |
| Upload Date | This Video Uploaded At 21-11-2020 19:34:17 |
| Video Discription | Asset allocation refers to the ratio among different asset types in one’s investment portfolio. Here we’ll look at how to set one’s portfolio asset allocation by age and risk tolerance, from young beginners to retirees, including calculations and examples. // TIMESTAMPS: 00:00 - Intro 00:31 - What Is Asset Allocation? 00:58 - Why Is Asset Allocation Important? 04:36 - Asset Allocation and Risk Tolerance 07:27 - Asset Allocation by Age Calculation 09:22 - Asset Allocation Examples 11:13 - Conclusion 12:14 - Disclosure 12:40 - Disclaimer 13:11 - Outro // SUMMARY: Asset allocation simply refers to the specific allotment of different asset types in one’s investment portfolio based on personal risk tolerance, goals, and time horizon. The three main classes are stocks, fixed income, and cash or cash equivalents. These different asset classes behave differently during different market environments. The relationship between two asset classes is called asset correlation. For example, stocks and bonds are held alongside one another because they are usually negatively correlated, meaning when stocks go down, bonds tend to go up, and vice versa. That uncorrelation between assets offers a diversification benefit that helps lower overall portfolio volatility and risk. Asset allocation is more important over the long term than the specific selection of assets. That is, choosing what percentage of your portfolio should be in stocks and what percentage should be in bonds is more important – and more impactful – than choosing, for example, between an S&P 500 index fund and a total market index fund. Vanguard actually determined that roughly 88% of a portfolio’s volatility and returns are explained by asset allocation. Think of asset allocation as the framework upon which your portfolio rests. ► Read the blog post here: https://www.optimizedportfolio.com/asset-allocation/ ► Vanguard paper on asset allocation: https://personal.vanguard.com/pdf/ISGGAA.pdf ► Vanguard portfolio allocations historical stats: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations?lang=en ► Vanguard asset allocation questionnaire: https://personal.vanguard.com/us/FundsInvQuestionnaire #investing #assetallocation #vanguard #stocks #stockmarket #portfolio // Books on Asset Allocation ► Asset Allocation: Balancing Financial Risk by Roger Gibson - https://amzn.to/2KARXaF ► The Intelligent Asset Allocator by William Bernstein - https://amzn.to/3asdiNX ► Rational Expectations: Asset Allocation for Investing Adults by William Bernstein - https://amzn.to/3cCWu8s ► All About Asset Allocation by Rick Ferri - https://amzn.to/3awi9xM // INVEST ► M1 Finance: https://optimizedportfolio.com/go/m1 ► My comprehensive review of M1 Finance: https://www.optimizedportfolio.com/m1-finance-review/ ► Get my dividend portfolio: https://www.optimizedportfolio.com/m1-finance-dividend-pie/ ► Lazy Portfolios: https://www.optimizedportfolio.com/lazy-portfolios/ ► Beginners’ reference guide: https://www.optimizedportfolio.com/beginners-start-here/ ► Webull (for stock traders; get 2 free stocks): https://act.webull.com/te/iKJHc5TS9HSe/lfh/inviteUs/ ► Flat-fee-only advising from Advisor.com: https://www.optimizedportfolio.com/advisor/ // SOCIAL ► Website: https://www.optimizedportfolio.com/ ► Patreon: https://www.patreon.com/optimizedportfolio ► Facebook: https://www.facebook.com/optimizedportfolio/ ► Instagram: https://www.instagram.com/optimizedportfolio/ ► Twitter: https://twitter.com/OptimizedPort ► Support my channel by shopping on Amazon (free for you): https://amzn.to/2TLCgCc I appreciate all the support! Disclaimer: This is not financial advice, investing advice, or tax advice. The information presented is for informational, educational, and entertainment purposes only. Investment products discussed are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. I always attempt to ensure the accuracy of information presented but that accuracy cannot be guaranteed. Do your own due diligence. All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future results. Opinions are my own and do not represent those of other parties mentioned. Read my lengthier disclaimer here: https://www.optimizedportfolio.com/terms/ That said, this content has been financially reviewed by Patrick Flood, CFA. Disclosure: Some of the links above are referral links. At no additional cost to you, if you choose to make a purchase or sign up for a service after clicking through those links, I may receive a small commission. This allows me to continue producing high-quality content on this channel and pays for the occasional cup of coffee. I have first-hand experience with every product or service I recommend, and I recommend them because I genuinely believe they are useful. |
| Category | Education |
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