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Introducing All Weather Financial Portfolio
Welcome
The world of investment choice and portfolio performance can be confusing, especially when you are at the beginning of your investment journey.
It's important to have an open mind and understand that given a specific time period, the economy and markets will generally go up. This knowledge helps you approach investing with a long-term perspective, knowing that short-term fluctuations are part of the normal market cycle.
Understand
TheMarket
Historical record that given time the economy and markets will generally go up.
Portfolio Creation
Creating a diversified portfolio isn’t always a simple endeavor. When you consider that it involves spreading your investments across multiple asset classes, how you determine the degree of each exposure is the million-dollar question. That’s where a financial professional can play a key role for investors.
A combination of factors, including an investor’s time horizon and investment objectives—capital accumulation, preservation, or income generation—is the key ingredient in determining optimal asset allocation and diversification that align with an individual’s overall risk profile.
Building a solid and bulletproof model portfolio involves several key steps. Let's break them down:
Step 1
Assess Risk Tolerance
Everyone has a different comfort level when it comes to risk. By understanding your risk tolerance, you can align your investment decisions with your personal preferences and financial situation. This ensures that your investment approach is personalized and suitable for you.
Suitability assessments are often required by regulatory authorities to ensure that financial advisors recommend investments that are suitable for you. These assessments help protect investors from unsuitable investments that may not align with your risk tolerance, financial goals, or investment horizon.
To create a portfolio that aligns with your risk tolerance and investment objectives, we encourage you to assess your risk profile. This will help determine whether you are conservative, moderate, or aggressive in your investment approach. Before going further to build your portfolio, Please click link or scan QR code to register an account for FREE and to access a questionnaire that will help you understand your risk tolerance.
Register with Manulife iFUNDS and start your investment journey with us. We are committed in helping you achieve your financial goals. With Manulife iFUNDS, you can manage and track your fund investments from anywhere with ease.
Step 2
Investment Objectives
In addition to risk tolerance, it's essential to define your investment objectives. Are you saving for retirement, a down payment on a house, or funding your child's education? Understanding your goals and the time horizon for each objective will help us design a portfolio tailored to your needs.
To determine your investment objectives, you can follow these general steps:
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Define Your Financial Goals: Identify the specific financial goals you want to achieve through your investments. For example, it could be saving for retirement, buying a house, funding your child's education, or building an emergency fund.
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Determine the Time Horizon: Determine the time period within which you aim to achieve each financial goal. This will help determine the appropriate investment strategies and asset allocation for each goal. Short-term goals (1-3 years) may require more conservative investments, while long-term goals (10+ years) may allow for a more aggressive approach.
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Estimate the Required Amount: Calculate the approximate amount of money you need to achieve each financial goal. Consider factors such as inflation and any expected contributions or withdrawals over time.
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Consider Risk Tolerance: Assess your risk tolerance by evaluating your comfort level with market fluctuations and potential investment losses. This will help determine the appropriate level of risk you are willing to take to achieve your financial goals.
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Consult with a Financial Advisor: While online resources can provide general guidance, it's beneficial to consult with a qualified financial advisor who can analyze your specific financial situation, goals, and risk tolerance. They can provide personalized advice and assist you in creating a comprehensive investment plan.
Step 3
Diversify with the All Weather Financial Portfolio Model
A diversified portfolio is built from complementary assets, such as stocks and bonds, that don’t usually perform the same way. If one part of a portfolio is declining in value, it can hopefully be offset by another part that’s rising.
Although having a diversified portfolio doesn’t guarantee positive investment performance, the principle of diversification is widely used in investing to construct portfolios that have a better chance of weathering changing economic cycles.
Dollar-Cost Averaging (DCA)
Additionally, we recommend implementing Dollar-Cost Averaging (DCA) as a strategy to minimize risk. DCA involves investing a fixed amount of money at regular intervals, regardless of market conditions. This approach helps smooth out market volatility and allows you to buy more shares when prices are low and fewer shares when prices are high.
By following these steps, you'll be on your way to building a solid and resilient portfolio that can weather any market conditions.
About
Ready-Made
All Weather Financial Portfolio Model
Our All Weather Financial Portfolio Model is designed to withstand any season and unprecedented events. It's a diversified portfolio that aims to minimize risk while maximizing returns. By diversifying across various asset classes, such as stocks, bonds, and alternative investments, we reduce the impact of any single investment on the overall portfolio.
Our model portfolio solutions offer a ready-made solution tailored to fit your risk profile and investment objectives.
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Portfolio Simulator
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"The above information is provided for illustrative and knowledge-sharing purposes only. It is not intended to provide any recommendations or advice regarding investment funds."