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Tom Meaglia, ChFC®, AEP®,

CLU®, CRPC®, MSFS

Chartered Financial Consultant

Investment Advisor Representative

Chartered Retirement Planning Counselor

CA Insurance Lic. #0567507

 

Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750

 

Toll Free: 800-386-3700

Bus:         909-593-6105

Cell:         818-681-8600

Fax:         909-593-6120

 

Email: tom@meagliafinancialconsulting.com

Website: www.meagliafinancialconsulting.com

September/October 2021

Diversify and Stay Calm

Diversify and Stay Calm

The unknown can be scary, especially when it comes to your finances. You don’t have a crystal ball, but you do have one tool in your financial toolbox that may help cushion your portfolio against any market fluctuations: Diversification.*


Diversification Defined
Diversification means spreading your investment dollars across several different asset classes. Investing in a variety of asset classes may potentially reduce your portfolio’s volatility and minimize your risk of loss. Setting and maintaining your strategic asset allocation are key for your long-term investment success. Review your portfolio annually or whenever your circumstances change and rebalance your asset mix, if necessary.


The Basic Components
A diversified portfolio typically includes these basic asset classes:


Stocks offer higher growth potential than other asset classes. But stock values can be volatile, resulting in a greater risk of losses.


Fixed income investments (bonds) provide income from interest. Bonds may reduce your portfolio’s volatility and help cushion losses when stock values lose ground.


Cash equivalents consist of short-term, low-risk investments. They preserve principal while earning interest at typically low rates. They also offer stability and relatively easy access to your cash.

A Step Beyond
Diversification doesn’t stop with the three major asset classes. International stocks give you exposure to foreign markets. Sector stocks focus on specific industries or areas of the economy. Including these investments can further diversify your portfolio.

Your financial professional can help you select a diversified portfolio of investments that complement your goals and risk tolerance.


*Diversification cannot eliminate the risk of investment losses. Past performance won’t guarantee future results. An investment in stocks or mutual funds can result in a loss of principal.


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Thomas Meaglia is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
Insurance and annuity products are not sold through Fusion Capital Management. Fusion does not endorse any annuity or insurance product, nor does it guarantee any insurance or annuity performance. Annuity and life insurance guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions. These commissions are separate and distinct from Fusion's investment advisory fees.
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