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If 50% of your portfolio is dedicated to stocks, search for a nice balance between large-cap and small-cap stocks and in between growth and value funds. Many consultants recommend having some direct exposure to international funds as well, in part since it cushions the blow of a U.S. economic downturn.  Research It Here  in mind that not all bonds are created equal.

For that reason, the latter is a much better counterweight to the stocks in your account. "Most of us in the financial world recognize with the possession class 'quilt,' the image with all the colored boxes that reveals which asset class performed finest for a specific year," says Carol Berger, CFP, of Berger Wealth Management in Peachtree City, Ga.

The different colors (property classes) are spread all over the location from year to year. Emerging markets, for instance, were at the top in 2007, at the really bottom in 2008, and back to the top in 2009." "Within the past 10 to 15 years, various asset classes have been in the leading spot," Berger includes.

Have Some Cash on Hand Those who are currently retired need to keep a delicate balancing act. To protect against outlasting their assets, a lot of monetary coordinators recommend holding onto at least some stocks. At the exact same time, retirees need to be more cautious about their financial investments because they do not have the long time horizon that younger investors do.

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"When you retire, the majority of your expenditures must be reasonably steady," states Kirk Chisholm, a wealth supervisor at Ingenious Advisory Group in Lexington, Mass. "Nevertheless, on occasion, a big expenditure can come along unexpectedly. When this takes place, you can not make up for it by working more hours. You will need to address these costs by dipping into your savings.

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While the rates of interest on these securities is repaired, the par value boosts with the Consumer Rate Index. So if the rate of inflation strikes 4% annually, your investment grows right in addition to it. "If you can get a decent level of current income from a TIPS, the inflation change component keeps the buying power of the primary intact," states Stephen J.