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2015 3rd Edition (Other Editions)


The key strategy in almost all investment portfolio decisions should offer a flexible response to changing circumstances and financial needs. Most successful investment efforts must keep pace with an individua's present or anticipated situations.

Consider your own investment approach. Is it time for a change? Do you need liquidity rather than growth? How consistent and predictable are your earnings? Are you more worried about inflation or loss of some of your capital?


According to most experts, if you are approaching or in retirement, you should probably be shifting portfolio emphasis from capital growth to a sustained flow of regular income. However, whenever you consider a redirection of assets, risk factors should be weighed carefully.

How much risk is acceptable is most accurately defined by each person's individual situation. If, for example, your net worth is moderate, you should probably seek investments with minimal risk and a strong emphasis on guaranteed or insured returns.

Opportunities that may fall into this category include government bonds, certificates of deposit, notes and life insurance.

In cases of higher net worth accumulation, you might take the risk of less assured securities in return for the extra appreciation and long term income growth they might bring.


Before embarking on any type of investment strategy, however, your should carefully assess your financial position and determine how much of your money will be retained in retirement savings.

In plotting an investment course, it is important to look for quality opportunities. Although a "quick killing" may sound promising, it will usually be too good to be true. Certainly, a conservative approach is the way to protect hard-earned assets.


Investing in securities with a strong record of dividend growth may generate sustained income while offering the luxury of peace of mind. In most instances, these securities will probably reflect lengthy track records, stable performance and a predictable pattern of anticipated growth.

Before making the final commitment, review all prospectus and investment information. Try to analyze an industry or corporation's future potential.


Most experts feel that under the current conditions of economic growth and inflation, carefully selected securities should provide increasing income plus some capital growth. One other important aspect of the investment portfolio is to retain as much diversification as possible. It is the wise investor who does not place all of his or her eggs in one basket.


As one's life circumstances change, it is necessary to review one's investments. While the long term picture indicates continued inflation, there are still times for shifting to a more conservative investment posture.