Today’s financial landscape is rich with opportunities, but many still believe in following a ‘cookie-cutter’ approach to investing and building wealth. In truth, investing should be a personalized process, shaped by your goals, values, risk tolerance, and financial situation. Adopting a personalized and diversified approach can help you pursue your goals with resilience and confidence. 1. Define Your GoalsYour financial goals serve as the foundation of your investment strategy. These goals typically fall into three categories:
Evaluating the timeline, liquidity needs, and risk tolerance for each goal helps you build a well-rounded portfolio aligned with your needs. Diversification: The Foundation of a Strategic PortfolioDiversification involves spreading your investments across various asset classes to reduce risk and potentially enhance returns. While diversification doesn’t guarantee profits or eliminate losses, it may help your portfolio better withstand market fluctuations. Exploring Investment OptionsA well-rounded portfolio may include multiple investment types, such as:
Note: Before investing in ETFs and mutual funds, investors should carefully consider a fund’s investment objectives, risks, charges and expenses. Fund prospectuses contain this and other information and may be obtained by asking your financial professional. Read prospectuses carefully before investing. Work with UsInvesting can be an effective way to build and preserve wealth, but there’s no single ‘right’ approach. Let’s work together to identify your goals and build a personalized, diversified portfolio. Contact the office to get started. |
This material was developed and prepared by a third party for use by your Registered Representative. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. The content is developed from sources believed to be providing accurate information.
Cetera is not registered to offer direct investments into commodities or futures. Instead, we provide access to this asset class via mutual funds, exchange-traded funds (ETFs) and the stocks of associated companies. Investments in commodities may be affected by the overall market movements, changes in interest rates and other factors such as weather, disease, embargoes and international economic and political developments. Commodities are volatile investments and should form only a small part of a diversified portfolio. An investment in commodities may not be suitable for all investors.
REITs are subject to various risks such as illiquidity and property devaluations based on adverse economic and real estate market conditions and may not be suitable for all investors. A prospectus that discloses all risks, fees and expenses may be obtained from your representative. Read the prospectus carefully before investing. This is not a solicitation or offering which can only be made in conjunction with a copy of the prospectus. A diversified portfolio does not assure a profit or protect against loss in a declining market.
Alternative Investments often engage in leverage and other investment practices that are extremely speculative and involve a high degree of risk. Such practices may increase the volatility of performance and the risk of investment loss, including the loss of the entire amount that is invested. There may be conflicts of interest relating to the Alternative Investment and its service providers. Similarly, interests in an Alternative Investment are highly illiquid and generally are not transferable without the consent of the sponsor, and applicable securities and tax laws will limit transfers.