Equities | Prosperity Trek by Prosperity Concierge

Watch the Asset Allocation of Investments for College Savings

Five years before college starts is a good time to make sure that your mix of college investments (allocation) makes sense, given that you’ll need to pay the tuition bill in a few years. In fact, many people don’t understand the need to reduce their equity investments – and thus their risk – as college

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The “New Normal” Isn’t New – Stay Invested in Equities

Ken Fisher, renowned investor, is maintaining his bullish stance and says we should stay fully invested in equities.

He refers to Pimco’s reference to a “New Normal” which calls for low returns on investment for a decade. Fisher says that view is garbage and that Pimco’s view is in it’s own self-interest as a fixed income

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Emerging Market Equities – BRICs and Other Considerations

Every portfolio should contain exposure to international equities to take advantage of growth and currency opportunities.

As investors go international, they should look beyond the usual emerging markets.

Here, Forbes contributor Alexandra Zendrian advises us on how we should approach the use of emerging market equities within your international equities asset class:

“Emerging markets” has become an unfortunate

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Trek IV: Enrichment and Fulfillment: Enjoyment: Retirement: Delay Retirement?

This is activity 16 of 22 in the Enrichment & Fulfillment in Prosperity Quadrant IV trek.

This step on your prosperity trek…
This is an informational step.

There are several reasons why you might decide that a retirement delay is an option worth considering.

Funding Retirement Needs from Personal Savings

Begin by adding up your non-discretionary expenses. These are expenses that you don’t have much flexibility to reduce. This would include groceries, utilities, mortgage or

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Trek III: Wealth and Prosperity: Enjoyment: Retirement: Delay Retirement?

This is activity 42 of 47 in the Wealth & Prosperity in Prosperity Quadrant III trek.

This step on your prosperity trek…
This is an informational step.

There are several reasons why you might decide that a retirement delay is an option worth considering.

Funding Retirement Needs from Personal Savings

Begin by adding up your non-discretionary expenses. These are expenses that you don’t have much flexibility to reduce. This would include groceries, utilities, mortgage or rent

Continue reading Trek III: Wealth and Prosperity: Enjoyment: Retirement: Delay Retirement?

Managing Risk – Diversification

You can manage risk through diversification.

Today, more than ever, geographic diversification should be taken into account.

Studies indicate that asset allocation is the single most important determinant of a portfolio’s long-term success.

The right mix of stocks, bonds and cash – aligned to our particular risk tolerance and investment objective – is very important.

Age-appropriate rebalancing is also

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Trek IV: Enrichment and Fulfillment: Enjoyment: Retirement: Income Stream: Asset Allocation

This is activity 19 of 22 in the Enrichment & Fulfillment in Prosperity Quadrant IV trek.

This step on your prosperity trek…
This is an action step for families that are planning to retire.
This step will improve cash flow and preserve net worth by developing a retirement asset allocation strategy.
Steps you should complete before beginning this step: Funding from Personal Savings
Difficulty rating: Moderate

In retirement we suggest that you allocate your assets by

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