Investment management is essential for successful financial planning, and having a well-structured investment portfolio is essential to addressing your long-term financial goals. At Alderfer Bergen, our experienced team of advisors can help you navigate the complexities of investment management and develop a comprehensive investment plan tailored to your unique financial situation and goals.

How Does Investment Management Help You?

Asset allocation involves dividing your investments among different asset classes, such as stocks, bonds, and cash, based on your individual situation and financial objectives. Research has shown that an asset allocation policy is often the major determinant of portfolio performance. This is because asset allocation involves strategically dividing investments among different asset classes based on an investor’s individual situation and financial objectives. A well-structured asset allocation can help investors achieve the appropriate balance between risk and return while optimizing portfolio performance. By diversifying investments across different asset classes, investors can minimize the impact of any one investment on the overall portfolio’s performance. Our team of advisors can help you understand the benefits of asset allocation and how it can improve your investment portfolio’s performance over time.

Asset allocation does not ensure a profit or protect against a loss.

Diversification helps to manage risk by spreading investments across multiple assets, thereby reducing the exposure to any one investment. By diversifying, investors can improve portfolio performance over time, especially during market volatility. A well-diversified portfolio can provide investors with a greater potential for long-term returns while reducing the impact of market fluctuations. At Alderfer Bergen, our experienced team of advisors can help identify appropriate diversification strategies

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Portfolio Rebalancing allows adjustments to be made in the portfolio to maintain the appropriate risk and return levels. Overtime circumstances can shift your financial goals and investment strategy. It’s important to adjust the weightings in a portfolio to better reflect your goals. For example, if you have children, you may want to consider college savings plans to ensure that they have the financial resources they need to pursue higher education. As you approach retirement age and begin investing more conservatively, you may shift more of your assets into less volatile investments such as fixed income instruments, based on your risk tolerance. It’s important to work with a financial advisor to determine when and what needs to shift in your portfolio to align your unique financial situation with your goals.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

Risk tolerance is a way for a financial advisor to determine appropriate risk levels based on an investor’s financial situation and goals. Factors such as an investor’s age, income, investment goals, and financial situation can all impact their risk tolerance. It’s important for investors to understand their risk tolerance and balance the potential for returns with the potential for losses.

Investment management is an essential aspect of financial planning, and having a well-structured investment portfolio is crucial to achieving your long-term financial goals. At Alderfer Bergen, we understand the complexities of investment management and are committed to providing personalized service and tailored investment solutions to help you achieve your financial objectives. Our team of experienced advisors can provide guidance on identifying appropriate investment strategies, managing risk, and optimizing portfolio performance.

No one can control or predict where the markets will go, but Alderfer Bergen & Company can keep you on-plan and on a path to get where you want to be.