Risk & Personal Finance
years many consumers have been concerned about
the risk of investing and how the fear of them actually investing in
their financial future was based on uncertainty about how finances really
work—and their fear to face and overcome that fear.
discussion we will examine risk in great detail so that you can get a concrete
understanding of what it is—and how you can reduce risk in your financial
You will now be able to
confront the risks that you will face in a manner that you can understand—and
apply—to benefit yourself—and your family in a meaningful way!
What are common investment styles or
important that you understand that there are basically 3 investment styles—however,
there are other styles as well—but if you master these 3—you will be in
position to assess your style—and use it to move yourself—and your family
towards the goals and objectives that you desire.
are you watching at the “AMC” theater?
memorizing the preceding sentence—you put yourself in position to always know
the 3 major investment styles—in an easy manner!
Now that you
know the 3 investment styles—let’s explore each style in greater detail—and
then go over the various types of risk that you will find in the credit and
financial markets that are (or should be) of concern to you and your
We will then conclude by
discussing ways that you can reduce the various forms of risk that you may
An aggressive portfolio would be weighted more heavily towards stocks and would normally include aggressive growth stocks and international and emerging market stocks.
Many aggressive portfolios would have 70% or more of the portfolio in stocks—usually suitable for those with long investment horizon—or those who have addressed their finances in a comprehensive manner—and have additional funds to invest aggressively.
A Moderate fund would on many occasions consist of 60% stocks—and bond and other investments making up the remainder (treasuries, t-bills, money market etcetera).
A conservative fund would be weighted at approximately 50% in stocks (or less) and bond and other investments making up the remainder (treasuries, t-bills, money market etcetera).
With all of the investments your goals, risk, income, and personal situation must be taken into consideration—as they will further determine your investment philosophy!
Other areas of risk that you should be concerned about include the following:
- Fraud risk—scammers, ID thieves,
swindler’s and the like
- Interest rate, term modification,
Always realize that a certain amount of risk will always be present.
Make sure that you do all that you can—on the front end—to reduce or minimize the risk that you will face as you improve your credit and finance position!
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The above article was written by Thomas (TJ) Underwood. Thomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia.
He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth
Increaser, Home Buyer 411, Home Seller
411, and Managing &
Improving Your Credit & Finances for this MILLENNIUM.
In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT &
FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you
can download right now "(at MIMIMAL cost $3.95)" to learn more about his
writing style and how you can achieve "more" success in the current
He is the creator of TheWealthIncreaser.com where he regularly blogs about helping
consumers improve their credit, finance and real estate pursuits in an
intelligent, consistent and proactive manner.
He’s always looking for
ways to make intelligent
finance improvement happen for those who “sincerely desire”
success in their future. He was the first financial planner to coin the phrase "financially alert mind"
and he consistently writes in a style that is designed to provide
consumers the ability to take control of their lives and achieve great
You can contact
him from a number of sources but the most direct way is to contact
him through the contact us block that can be found at the bottom of this page.
You can also get highly relevant tips on "living your life more abundantly" and link to TheWealthIncreaser.com and possibly earn revenue by logging on to TheWealthIncreaser.com.
He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:
ATLANTA TAX PREPARATION SERVICE
Atlanta South Location:
Strategic Advisors, LLC
City, GA 30269
Atlanta Central Location:
Realty 1 Strategic Advisors, LLC
2940 West Stubbs Road
Atlanta, GA 30349
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