Diversification and Asset Allocation Archives - VeriPlan Personal Financial Planning

Tactical asset allocation and market timing

The best individual financial planning and investment rules and practices are enduring and should not change due to market cycles or a financial crisis. This article looks at asset allocation strategy in light of the recent credit crisis. The credit crisis was a systemic, global financial event that affected any financial or securities instrument influenced […]

Concentrated holdings increase portfolio risk

Portfolio risk increases dramatically with concentrated holdings. A significant portion of a portfolio may sometimes become concentrated in a single investment entity, which dramatically increases the overall risk of the portfolio. While generally undesirable, there sometimes are unavoidable reasons for investment concentration. Unavoidable reasons for lack of diversification can include owning a private business or […]

Measure Your Investment Portfolio Diversification

Gauge the level of your portfolio’s overall diversification with this free on-line tool Whenever you invest in multiple mutual funds and ETFs, you may wonder how broadly and appropriately diversified your aggregate portfolio might be. Have your investment holdings and mutual funds that you have chosen increased the global diversification of your personal financial asset […]

Whole stock market investments versus strategy skews

Whole stock market investments versus investment strategy skews Investors who decide to pursue passive equity index strategies still have a few very important strategy decisions to make. They can choose to buy the whole stock market or to adopt a “strategy skew,” when choosing stock index investment funds. If an investor buys the whole stock […]

Choose the broadest available whole market diversification

Choose the broadest available whole market diversification Another risk reduction objective should be to achieve the broadest possible securities market diversification within your overall portfolio holdings. Whenever several low cost investment funds are available, I suggest choosing the fund with the broadest market coverage. This reflects a preference for owning the entire market. Such funds […]

Asset Allocation Calculator

Understand how your lifetime investment asset allocation strategy would affect the growth of your financial asset portfolio Your tolerance for investment risk is a relative concept — rather than an absolute concept. Your tolerance for investment risk is relative to the investment risk tolerance of all other investors. Few people like investment risk, but some […]

Stock Asset Allocation

Project the value of your stock and equity assets across your lifetime To develop your investment growth projections, VeriPlan’s stock investment calculator software allows you can enter as many as 99 separate stock and equity asset holdings. For each of your current stock and equity holdings, you can also enter your investment portfolio costs and […]

Fixed Income Investing

Use the best bond investment calculator to understand the projected value of your bond and fixed income assets across your lifetime To develop your lifetime and retirement calculator projections using VeriPlan’s compound investment calculator software, you can enter as many as 24 separate bond and fixed income asset holdings. For each of your current bond […]

Cash Asset Allocation

VeriPlan’s investment growth calculator helps you to understand the projected value of your cash assets across your lifetime To develop your lifetime projections, the VeriPlan compound investment calculator allows you to enter as many as 24 separate cash and cash equivalent asset holdings. For each of your current cash holding in your investment portfolio, you […]

Asset Allocation Strategy

Post-financial crisis commentary on tactical versus strategic asset allocation The best individual financial planning and investment rules and practices are enduring and should not change due to market cycles or a financial crisis. This article looks at asset allocation strategy in light of the recent credit crisis. The credit crisis was a systemic, global financial […]

Diversification and the credit crisis

The best personal investment and financial planning practices are durable and should not change because of market cycles and financial crises. Less diversified active strategies tend of be sub-optimal, involving greater portfolio volatility and risk accompanied by higher costs in term of expenses, taxes, time commitment, and stomach acid. The best investment strategy is to […]

User Praise for VeriPlan:

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More User Praise for VeriPlan

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"The VeriPlan program and materials are extremely well thought out (not to mention voluminous). I think I now have a decent handle on the program, inputs and outputs. Your attention to detail is really impressive, and the analysis is excellent."W. B. in Carmel, CA

Even More User Praise for VeriPlan

"VeriPlan is a big help. I'm in my mid 50's and have been a diligent saver and passable investor for many years. I am going through a work transition from salaried corporate employee to independent consultant, and my aging parents are needing financial help. Financial planning is particularly important to me and my family now. Thanks for making your product available. I've recommended it to a number of folks and will continue to do so."J.H. in Portland, OR

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"You have done a great job of including the necessary instructions in VeriPlan, located close to where the modeling is happening. The thing I like about the VeriPlan User Guide is that it adds substantial additional commentary that I personally find very valuable. I was hunting for a capable and reasonably priced financial planning package, and VeriPlan is an awesome tool. The more I play around with it, the more valuable I find it. Your free user guide was what made me decide to get VeriPlan."C. A. in North Royalton, OH