The Planning Process: Investment Planning

Diversify beyond investments

Diversification alone may not be sufficient to protect your investments. By taking a broader view, a financial planning strategy can put safeguards in place to help protect yourself and your family.

For instance, purchasing disability income insurance provides protection for your ability to earn a living. Life insurance is another form of protection. It can help preserve your estate assets and reduce the risk that a disaster could wipe out your family's standard of living. Life insurance can also provide the necessary cash for your survivors to pay estate taxes and other expenses, or to carry on a family-owned business.

A properly planned estate can also be a part of your overall strategy. Simply having a will may not be enough. You may need to coordinate your will with trusts for your children, life insurance and estate tax planning. Estate planning can help preserve and direct the distribution of your assets after your death.

A diversified financial planning strategy will not eliminate risk or guarantee success. But it does offer an approach to help protect your assets, reduce risk and potentially grow assets over time. Talk with a qualified professional about how to put an effective financial planning strategy in place.

You've heard the old investment adage, "Don't put all your eggs in one basket." It's good advice. A diversified portfolio should be at the core of any well-planned investment strategy. While a worthy goal at any age, it's especially desirable as your net worth grows over the years. The basic purpose of diversification is to reduce risk and volatility. It's primarily a defensive type of investment policy. Depending on your investment goals and tolerance for risk, your strategy may emphasize one type of investment over another. But overall, your investment plan should be diversified. That's because no single type of investment performs best under all economic conditions. A diversified program is capable of weathering varying economic cycles and improving the trade-off between risk and return. Of course, diversification cannot entirely eliminate the risk of investment losses. Diversification offers returns which are not directly related over time and is intended for the structure of a whole portfolio to help reduce the risk inherent in a particular security.

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Latest News

Financial and Economic Brief - August 22, 2017

• Debt Ceiling Increase - According to Senate Majority Leader Mitch McConnell, the U.S. government will raise the debt ceiling and avoid defaulting on its debt.

• European Stocks Gain - European stocks broke a losing streak on Tuesday, adding to gains in other markets and advanced by rising commodity prices.

• Fed Divided Over Inflation in July - Minutes from the Fed meeting in late July show Federal Reserve policymakers were worried about inflation, but for two opposing reasons.

Financial and Economic Brief - August 15, 2017

• Eurozone Industrial Output Down - According to the Eurostat statistics agency, industrial output across the 19 countries that make up the eurozone fell in June, likely illustrating the “export-sapping” impact of the rising euro.

• Consumer Prices Rise Less Than Expected - According to the U.S. Labor Department, U.S. consumer prices rose less than expected in July rising only 0.1%.

• All S&P Sectors Higher - Wall Street opened higher today, all 11 major S&P sectors, as investor sentiment was lifted by easing tensions in the Korean peninsula.

Financial and Economic Brief - August 8, 2017

• Economic Reporting Outlook - The latest reading on inflation is due out this week. It has been “persistently weak” in recent months.

• Positive Jobs Report - According to a government report, the U.S. economy added 209,000 jobs in July while the unemployment rate fell to 4.3%, the lowest since March 2001.

• Dow at Record High - On Monday, the Dow hit another record high, the Nasdaq opened “slightly” higher, and the S&P was even.

Financial and Economic Brief - August 1, 2017

• Discovery To Acquire Scripps - Discovery Communications reached a deal to acquire Scripps Networks for about $11.9 billion.

• SNAP Shares Fall - Today as markets open, shares of Snap Inc. owner of the Snapchat messaging app fell as much as 5% to a new low, below its initial public offering price, as a "share lock up" ended.

• Fischer: Weal Economy = Low Rates - The Fed's vice chairman Stanley Fischer said in a speech that interest rates aren't just low because the Federal Reserve is keeping them there but rather because of a weak economy and other factors.

Financial and Economic Brief - July 25, 2017

• Economic Outlook Looking Better - According to the Conference Board, leading economic indicators increased 0.6% in June, beating expectations which were for a 0.4% gain.

• This Week’s Economic Releases - This week’s economic reports will reveal whether growth accelerated in Q2 after a slow start to 2017.

• OPEC Caps Nigerian Oil Output - OPEC has agreed with several non-OPEC producers led by Russia to cut oil production by a combined 1.8 million barrels per day from January 2017 until the end of March 2018.

Financial and Economic Brief - July 18, 2017

• NY Manufacturing Slows - Manufacturing in New York State grew in July but at a much slower pace than June and remains at a “mostly healthy level”.

• This Week’s Financial News - This week is an “unusually” light week of economic news but does include the kickoff of the second-quarter earnings season.

• Wall Street Opens Flat - Today U.S. stocks opened flat and held steady at record levels. Analysts estimate Q2 earnings for the S&P 500 companies rose 8.1% from Q2 2016.