Financial Education Articles

Tactical Asset Allocation

Revised by Ricardo RibeiroIt is important to point out that tactical changes are optional. In other words, if you build a good strategic portfolio and can withstand the losing phases, then you do not need to make any tactical changes. However, a tactical strategy can be used to enhance performance and to reduce risk. One simple example is

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Strategic Asset Allocation

Revised by Ricardo RibeiroThe strategic asset allocation is normally passive. In other words, you select your asset classes, decide how much you want to allocate to each asset class, and keep that allocation “fixed” over time. It is a great strategy in any Investing for Beginners playbook. If you are risk-averse, you should have more safer

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Investment Plan

Revised by Ricardo RibeiroIn plain terms, a successful investment plan is one that meets your objectives, but it must also be one that you can execute. After all, how good is the “best” investment plan if you cannot follow it?Please read the disclaimer at the end of this article.How to Make an Investment PlanLet’s start with the

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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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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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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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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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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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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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