Build long‑term wealth through diversified, low‑cost strategies aligned to your risk and timeline.
Balance stocks, bonds, and cash to match goals and risk tolerance. Younger investors typically tilt toward stocks; shift gradually as needs change.
Ownership in companies with higher volatility and long‑term return potential. Favor broad index exposure to reduce single‑company risk.
Fixed‑income instruments that add stability. Mix government, corporate, and municipal bonds; ladder maturities to manage interest‑rate risk.
Low‑cost diversified exposure. Check expense ratios, tracking error, and underlying holdings. Index funds often beat higher‑cost active funds long term.
Diversify broadly, avoid concentration, and hold a cash buffer for near‑term needs. Rebalance periodically to maintain your target mix.
Prioritize tax‑advantaged accounts, locate assets strategically (bonds in tax‑advantaged, stocks in taxable), and harvest losses when appropriate.
Stay disciplined. Avoid chasing performance and emotional decisions. Use written Investment Policy Statements to guide actions.
Set thresholds or annual cadence to bring allocations back to target. Use new contributions to minimize transaction costs.
Get personalized guidance aligning investing with your insurance and financial plan.