Accumulation planning addresses an individual’s investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance. The first step in accumulation planning is determining why you're accumulating assets. Is it for a child's or grandchild's college education, to fund retirement, to fund charitable intentions, or to finance the dream of a lifetime? At Independent Wealth Management, we believe that we're better investment managers when we know why you're accumulating wealth.

In today’s rapidly changing environment, having an investment strategy that addresses your unique needs and also takes into account the economic landscape in which we live is more important than ever. Asset allocation refers to the process investors use to investments among asset classes. It's not just holding 10 different stocks. Asset allocation means that you own many different asset classes, such as large and small company stocks, government bonds, cash, real estate investment securities, and inflation-protected securities. This process will:

  • Reduce overall investment risk
  • Create more reliable investment forecasts
  • Improve the risk/return tradeoff of your portfolio

Some situations require different expertise than typical stock and bond portfolio implementation. These situations usually pertain to employer-related retirement plans and stock options, margin strategies, and real estate exchanges.

Most investors understand that as risk increases, the potential for return also increases. But there is a point for every individual where the level of risk is not worth the potential return. The goal of asset allocation is to provide you with the risk/return scenario that is most comfortable for you. If worrying about your portfolio is keeping you up at night, then you're likely invested too aggressively. Academic theory with respect to investments is a useful guide when designing portfolios; however, the best portfolio is the one that you're comfortable with both in up and down markets.


Investors should note that diversification does not assure against market loss and that there is no guarantee that a diversified portfolio will outperform a nondiversified portfolio.

Alternative investments may be illiquid in nature, redeemed at more or less than the original amount invested, subject to special risks, and not suitable for all investors.

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