Author: Ricardo Ribeiro, PRM

Investment management professional with a career spanning more than 20 years in the financial sector. Adept at integrating market risk analyses into investment strategies. Committed to helping aspiring investors get to the next level, and to shaping the next generation of investment tools and models. Mr. Ricardo Ribeiro holds a Professional Risk Manager (PRM) designation from the Professional Risk Managers' International Association (PRMIA).

Asset Classes

The asset classes are what we call the investing building blocks. This article explains in more detail what they are and how to use them.

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  • Updated January 30, 2020

Strategic Asset Allocation

You select your asset classes, decide how much you want to allocate to each asset class, and keep that allocation “fixed” over time.

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  • Updated December 6, 2019

Investment Plan

A successful investment plan is one that meets your objectives, but also it must be one that you can execute.

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  • Updated January 29, 2020

Investing Styles​

Finding your investing style is the first step to create a plan that suits you. The thing is, you cannot follow a plan that does not fit your personality and current situation…

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  • Updated January 29, 2020

Stocks

When you invest in stocks (also called equities), you are investing in a company. Historically, stocks produced higher returns but also entailed higher risks.

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  • Updated December 4, 2019

Bonds

Buying bonds is like lending money to a company or the government. You get the promise to receive your money back plus interest at a future date.

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  • Updated December 4, 2019

Cash and Cash Equivalents

Cash equivalents are short-term securities that have high credit quality and high liquidity. In other words, they can be considered cash.

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  • Updated December 5, 2019

Real Estate

You can invest directly in real estate, by buying a house for example. Alternatively, you can invest in a real estate fund or REIT, which requires less money and might solve the diversification issue.

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  • Updated December 4, 2019

Commodities

Commodities are physical goods like grains, gold, oil, and so on. Historically, commodities produced lower returns than stocks, but they offered diversification and some protection against inflation.

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  • Updated December 4, 2019

Currencies

In simple terms, investing in currencies is like holding cash in a currency other than your country’s currency. For example…

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  • Updated December 4, 2019

Investing for Beginners

This Investing for Beginners guide provides you with a map and a starting point to help you become a better investor. Updated Nov-2019.

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  • Updated January 29, 2020

Portfolio Rebalancing

Portfolio rebalancing is about bringing a portfolio back to its intended investment allocation. To talk about it…

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  • Updated December 6, 2019
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