Investing:
Personal Finance and Wellness
Asset Allocation and Diversification
Asset allocation refers to how much money you have invested in each of the major asset classes such as
stocks, bonds and cash. Studies have shown that asset allocation is one of the most important investment
decisions an investor can make, accounting for as much as 90% of return. Asset allocation is the process of
determining the percentage of your investment portfolio that each asset class should occupy, based on your
risk tolerance. . . click here to read more about asset allocation and diversification.
So how do you determine what are the best mutual funds, the top mutual funds, the best no load mutual funds.
One way to choose is to turn to the experts at Kiplinger's Personal Finance and Money Magazines.
Kiplinger 25 - Best No Load Mutual Funds
Click above for a link to Kiplinger's Personal Finance Magazine list of their top picks
Money 70 - Top Mutual Funds
Click above for a link to Money Magazine's selection of top mutual funds
So which funds made it onto both lists - those funds should be pretty good funds. I have done the research for
you and found these funds listed on both lists:
Selected American Shares SLASX
T. Rowe Price Equity Income PRFDX
Fairholme FAIRX
Dodge and Cox International Stock DODFX
T. Rowe Price Emerging Markets Stock PRMSX
Dodge and Cox Income DODIX
Harbor Bond Instiutional HABDX
Vanguard Inflation-Protected Services VIPSX
For help on asset allocation and diversification use the portfolio analysis at Morningstar (click here to sign up).
You can sign up for a day trial of their premium analysis tool. Use it to analyze your portfolio. Cancel at any
time during your trial period and you pay nothing.
| This site is for informational purposes only. Lillian is not a financial advisor, and nothing on this site should be construed as financial advice. www.debtandmoneyinfo.com - Personal Finance and Wellness |
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| The S&P 500's ten worst investing years and how stocks did in the following year. (Source: Ibbotson Associates) |
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