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An investment portfolio usually consists of a variety of financial vehicles, including money market funds, certificates of deposit (CD’s), bonds, and stocks.Money market funds and CD’s are super-safe investments.
Aggressive portfolios are heavily weighted towards stocks, and are better for those who can handle a few bear markets in exchange for overall higher returns.
There’s variation within these two groups - for example, a swing-for-the-fences aggressive portfolio may feature high-growth, small-cap stocks, while a less risky aggressive portfolio may focus more on blue-chip stocks.
There are two main reasons that young people should be bold investors.
If you’re already retired and your 401(k)’s value plummets, you’re in a really tight spot (this is what happened during the Great Recession).
Millennials are way too conservative (well, financially speaking, at least).
According to a 2016 Wall Street Journal analysis, twentysomethings’ most common money mistake is investing too conservatively, putting too much money into cash and bonds and not enough into equities.A conservative investment portfolio is weighted towards bonds and money market funds, offering low returns but also very little risk.This is the kind of portfolio you’d want if you’re more scared of losing money than not making money - for example, if you’re retired and these funds are your sole source of income.So how should you balance a fear of risk with a need for good returns?Target-date funds are mutual funds tailored to a certain retirement date - target-date 2060 funds are for people who aim to retire in 2060, target-date 2030 funds are for those who retire in 2030, and so on.And finally, a balanced portfolio is - you guessed it - a balance between conservative and aggressive mindsets.Tags: Adult Dating, affair dating, sex dating