Goal Update: Investment Portfolio Asset Allocation & Holdings ? Nov 2011

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used for investment purposes and for the purpose of meeting the investment objective of the fund, and the investment policies or portfolio management techniques of the AB – Dynamic Diversified Portfolio may lead to a higher volatility to the net asset value of the portfolio. These and other risks are described in the Fund’s prospectus.

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because asset allocation is the major determinant of risk and return for a given portfolio.1 Over time, however, as a portfolio’s investments produce different returns, the portfolio will likely drift from its target asset allocation, acquiring risk-and-return characteristics that may be inconsistent with an investor’s goals and preferences.

Asset Allocation. Overall, asset allocations barely moved in 2008. Fixed income was and remains the predominant asset class for Bermuda Composite portfolios. The increase in cash and short-term investments came at the expense of equities and "other investments" – such as alternative portfolios – last year.

The most common reason for changing your asset allocation is a change in your time horizon. In other words, as you get closer to your investment goal, you’ll likely need to change your asset allocation. For example, most people investing for retirement hold less stock and more bonds and cash equivalents as they get closer to retirement age.

Asset allocation forms the basis of the Schwab Intelligent Portfolios investment philosophy. By providing a framework for deploying capital over a mix of investments, asset allocation allows investors to diversify their holdings and help mitigate downside risk.

You regularly rebalance, periodically scaling back on those holdings that have performed the best, whether they are stock or bonds, to bring the total portfolio’s asset-class exposures back in line with targets. (Those targets may gradually grow more conservative over time, depending on the asset-allocation glide path you are using.)

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For example, you could rebalance once an asset class reaches a certain level – such as being 20% below your target allocation, or 20% beyond it. Thus, if your goal is that a certain asset make up 10% of your portfolio, you’d rebalance once that asset declined to less than 8% or grew beyond 12%.

Equity Asset Allocation: Comparison of 8 Model Portfolios. This kind of strategic asset allocation is just playing with numbers in the rear view mirror.. I’m pretty new to investing and after having read a couple of books decided to build a 2 fund ETF portfolio. The goal is to gradually.

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