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Beth A. Botti, CFP®, ChFC, CLU, CDFA™
Financial Consultant
California Insurance License #0G24537
612 Wheelers Farms Road, Milford, CT 06460
Phone: 203-877-6556 Ext. 169
Fax: 203-301-0736
Email: beth.botti@equitable.com
September/October 2017
The Benefits of Asset Allocation
One of the most important decisions you can make as a retirement investor is how to allocate your retirement investments among stocks, bonds and cash alternatives. But how do you determine the right asset allocation* for your situation? Start by reviewing the information your plan provides and talking to your financial professional.
Consider the categories
Your retirement plan likely offers funds or portfolios that hold investments in the three main asset classes.
Stocks — Historically, stocks have provided the highest potential long-term returns, but also have the greatest risk of short-term losses.
Bonds — Bonds tend to provide more modest returns than stocks, but they are also less volatile.
Cash alternatives — Considered the least risky of the three main asset classes, cash investments offer the lowest potential returns.
Take a look at time
How long you have to work before you plan to retire may have an impact on how you allocate your assets. Your financial goals and risk tolerance also may determine the investments you choose. Generally, you may be more comfortable with investment risk when you have a longer time frame. And as retirement draws near, you may become less comfortable with investment losses.
Review your account regularly
The asset allocation* you choose today for your plan account may no longer be right for you in a few years. Your risk tolerance may change as you get older. Plus, performance differences can cause your portfolio’s asset allocation to change over time. For example, if stock investments perform well and increase in value, stocks could then represent a larger portion of your portfolio than you had intended. You may need to rebalance your portfolio to restore its original allocation. With your financial professional, regularly review your investments and adjust your asset allocation as needed.
* Asset allocation doesn’t guarantee a profit or protect against losses.
FINRA Reference FR2017-0427-0092/E 08/02/17
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. Your connection to this website does not necessarily indicate that the sender is able to transact business in your state. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit https://equitable.com/crs to review the firm's Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.
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