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Building equity portfolios in a bull market is hard. Clients get caught up in the exuberance and reckon the more stocks they own, the better diversified they are. Protect your stock enthusiasts with a diversified portfolio built on low correlation, low-beta equities, and the appropriate number of asset classes. Your clients will thank you when their mania wanes.
Low turnover is supposed to extend the life of an investment, deferring any tax on growth until another day. But even one transaction every 10 years can forfeit 50% of the wealth benefit of tax deferral. Add in dividends and even more of the tax benefits evaporate. There is remarkably little value to reducing portfolio turnover, unless you can reduce it to zero.
Juicing yield isn't hard—until you adjust for risk. To find the sweet spot between clients' needs and their risk tolerance, revisit how the portfolio is allocated—and in what weights—to the major asset classes. A couple of ETF strategies highlight the possibilities.
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Social Security and Medicare Workshop
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