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 002-business-objectsWith thousands of investing possibilities, complex rules on retirement plans, taxes and so on most people don't even know where to begin. That's where Rosen Financial can help! Designing an investment portfolio involves creating a policy to fit your needs based on a wide range of factors, here are some things to consider:

You can start out by asking yourself some basic investment questions: Why are you investing? Perhaps you would like to buy a house, or maybe you would like to retire early. How comfortable are you with investing? Maybe you want to play it safe at first and be a cautious investor or maybe you are willing to take some risks. What is your time frame? You may be planning to save for your child's future college expenses or you might be looking to retire. Once you consider these questions you can begin to determine what types of investments will best help you work towards your goals. 

Managing a portfolio is one of the most important steps in the investment process. Properly managing an investment portfolio requires knowing not only what investments to purchase, but also when to buy and when to sell them. In addition, managing a portfolio requires constant monitoring of performance, along with rebalancing and making adjustments as needed. Aside from the most savvy of investors, this part of the investment process is usually best left to a professional, such as a financial planner or advisor. 

Here are some general rules to keep in mind: 

  1. Diversify Your Assets: How you divide your money between equities, bonds, and cash can be more important than your chic of a specific investment. By diversifying your investments amongst different asset classes, you can help minimize the effects of market volatility while maximizing your chances of long-term return. 
  2. Consider Your Risk Tolerance and Time Horizon: How well can you stomach market losses and when you need your money are vital factors when investing. For example, if you are investing for the long term, and you have money put away for emergencies, your risk tolerance may be higher. If you are investing for a teenager's college education expenses that will be needed in 5 years, you may want to invest in a less risky investment since the money will be needed sooner. 
  3. Compounding Is Your Best Friend: Like a snowball rolling downhill, the value of compounding grows the longer you leave your money in your account. With time on your side, you don't necessarily have to aim for investment "home runs" in order to be successful. 

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