gmhTODAY 04 gmhToday Sep Oct 2015 - Page 44

FINANCIALLY Speaking Is Your Investment Plate Well Balanced? W e all know that if we eat a well- balanced diet and exercise regularly we greatly increase our chances for a longer and healthier life. It’s the same for our long term financial health. Diversification matters. Yet it’s an unfortunate reality that many investors don’t know how to prop- erly diversify their portfolio. And some people have lost faith in the effectiveness of diversification since the “perfect storm” market crash in 2008. Diversification is a long term strategy intended to help reduce risk and help minimize losses. This strategy is designed to benefit investors when the market is up and to lose less ground when the market is down. This is accomplished by spreading dollars among different types of assets like equities, bonds, cash equivalents, domestic securities, inter- national securities, alternatives, real estate, and so on. It’s about having a complement of investments that are not highly correlated with each other, that is to say don’t commonly ALL go up and down at the same time. Think of it as having a dinner plate with meat, potatoes, and a vegetable, rather than one that has mashed potatoe ̰ɕɥ́)хѼ)MхЁ́Ѽͥ)%YIM%% Q%=8 8IU I%M,)Qٕ́ѵ́ɔɔхЁѡ)ѡյȁٕѵ̸))ɕ4=Ѡ́) ѕɕ) ձха ѥ)٥ͽȁMȁ1٥)%ٕѵЁ٥ͽ)Iɕ͕хѥٔݥѠٕ(ԁ啅́ɥ)ͥ́ͽ)Ʌ)ݕѠ)Ё)́م)ȁɽɕ́)ɥمєձхѥ̸Yͥ)љȁ(ȸظ(I4)հ()%9YMQ=ILM!=U11==, e=9)M!=IPQI41U QUQ%=9L)Yѥ䁥́ɽɍѕȸeԁ݅ЁѼ)ѕȁݥѠȁɥͬѽɅѡЁ)ͥݥѠ)Q%5%L5=I%5A=IQ9PQ!8Q%5%9)Qѥ́ͥݕљ)ɽٔѕɴəɵQѡ)ɭЁ́ѕéɅMхѥѥ䰁ɭ)ѥ́Ʌ䁡ٔݽ͔љəɵ)ѡѡ͔ݡ䁅ݕٕͥ)љ)%9YMQ=IL 85-5=9d)%81P5I-QL)Ʌѥ́ݕ)љݥѕѥ͡܁ɽѠٕݡ)ѡȁ́и)%Y%9L 85-%I9 )%ٕѥ́ݥѠѽ䁽她)٥̰ѡɕٕѥѡ͔٥̰)х锁љݡɭ́ɔݸ)Iٕѕ٥́ɔ͡ɕ́ͼ)ɽ٥չ䁙ȁљɽѠ)I0%L5=I%5A=IQ9PQ!8)AI %Y%YIM%% Q%=8)]Ёٕͥѥ́ЁЁ́ѡյȁ)չ́љ%Ё́ͥѼٔɝ)յȁٕѵ́ѡЁɔ䁍Ʌѕ)͕ͥѽȸQՔٕͥѥ́Ёѡ)́Յ䁽ٕѵ́ѡљ)ȁᅵɽȁٕͥѥݽձٔ)ٕѽȁٽљͽ䁥ٕѕ)ѡѡձȃqѕѽϊtЁɔѡɭ)ЁЁЁ䁥)ѡЁɕ͔ͥͽչɕѥ)хѥ́ѡѕ䁅ɕ)ѕѥѼչхٕѵЁɥ̸)%Ё́ȁѼѡЁ܁ٕѽ́ɕչȴ)х܁Ѽձ䁑ٕͥѡٕѵ́ѡ)љ̰䁅ɔȁQ)ЁȁٕѵЃaїdԁٔѽ)䃊aхѽϊdeԁեɽȰд)ѕȁɔaݕѡɽdљݥѠ)ѱɽɽͥݡ́ѡѽ́)ɥѼԁɕȁ̸)ٕͥѥ́ЁՅɅѕɽЁȁє)ѡɥ̸ͬQѡˊḛ́)ɵѥьɔѡ͔ͽ䁽ѡȁɔ)ЁЁɕɕ͕а!Q,͡ձ)Ёͥɕٕ́ѵЁȁ)٥A͔ͥȁȁѥ͕́)٥Յɍյх̸5!Q䁅ѡȁѕ)ѥѥ́ɔЁոѕݥѠ!Q,)%ѕɅѕ ́9ݽɬ%Ф)IѕɕIɕ͕хѥٔMɥѥ́%ٕѵЁ٥ͽM٥́ɕѡɽ՝!ɹȰQݹ͕-а%(!Q,Iѕɕ%ٕѵЁ٥ͽȸ5ȁ%9IM%A ԁY-ɵٔMєԁ%٥ ؀д($Ё́Ё!Q, 1 Ā9Ёȁȁͽхѥхєݡɔɕɕ͕хѥٔ́)ɽɱ䁱͕ȁɕѕɕ1́ѡȁݥѡɅ݅́ݥɕՍѡѠЁչЁ䁉ՉЁѼ)ɕȁɝ́х̸ՅɅѕ́ɔ͕ѡ她䁽ѡɕȸ)%1I=d5=I8!%10M85IQ%8)MAQ5 H= Q= H)ѽ乍