Asset Allocation will get you 90%+ of your overall return!
I know it’s not as fun as picking stocks, but most investors fail to take advantage of the greatest investment secret of all time, which is “how you allocate your assets is far more important than what stocks you pick”.
In any stock market climate, proper asset allocation matters. In a down market, you could argue that it matters more than anything else.
Did you have a well-diversified portfolio during the fall of 2008? That was a time when the importance of having a bond allocation and proper equity diversification really hit home. Nearly all investors were hit hard, but some were hit harder than others. What percentage of your portfolio was held in Treasuries (or cash) at that time?
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Improving the world around us through our gifts
So, you’d like to make some major charitable contributions, but you don’t want to create a family foundation – with its paperwork and management commitment and the possibility of squabbles. Is there an alternative?
Yes, there is. You could consider a donor-advised fund.
How does a DAF work? A donor-advised fund is a private fund established to manage charitable donations of individuals, couples, families and institutions. It is sponsored by a 501(c)(3) non-profit organization. The process of gifting through a donor-advised fund works like this.
- You find a sponsoring organization offering a donor-advised fund. It could be a community foundation down the street; it could be a major investment firm that has started a non-profit charitable endowment.
- You make an irrevocable contribution of cash or securities to the fund.
- You get an immediate tax deduction.
- The fund invests the cash or securities in an account you create; the assets benefit from tax-free growth.
- While the fund has legal control over the irrevocable contribution you have made, you (or your representatives) advise the fund where the assets in your account should go and how they should be invested.
- The fund is the actual grant maker that writes the checks to the charities and nonprofit groups you recommend.
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Posted on October 31, 2011 in
Podcast
On today’s show Jay covers the single greatest secret of investing… Not knowing this secret is why most investors don’t make ANY money when they invest. Jay also covers some of the October results from some of Faith-Based Investor’s top ranked “Proud to Own” stocks. As always Jay sheds light on the markets and economy.
Your Host: Jay Peroni, CFP
(Certified Financial Planner, Best-Selling Author)
Jay Peroni is a Certified Financial Planner and investment advisor with 16 years of money management experience. He is a public speaker, and is the author of The Faith-Based Millionaire. He is a leading authority on the subject of Faith-Based Investing.
___________________________________________________
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Posted on October 28, 2011 in
Podcast
On today’s edition of Faith Based Investor radio, Jay Peroni asks if we are repeating history as he compares today’s economic policies with those that were used during the Great Depression.
Then Jay gives his insight on yesterday’s huge market rally. Was the news out of Europe as good as we believe?
Finally, Jay gives you some actionable ideas on how you can find good values among stocks using a “contrarian” point of view.
Your Host: Jay Peroni, CFP
(Certified Financial Planner, Best-Selling Author)
Jay Peroni is a Certified Financial Planner and investment advisor with 16 years of money management experience. He is a public speaker, and is the author of The Faith-Based Millionaire. He is a leading authority on the subject of Faith-Based Investing.
___________________________________________________
Download the audio:
fbi show 10 2
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Posted on October 27, 2011 in
Podcast
What retirement plan should you choose? Why mutual funds are hazardous to your wealth. What should you do with that old 401k? Why you should look for “global” investments…
On Today’s Show:
Jay answers listener questions: A Doctor asks if he should set up a SIMPLE IRA. A school teacher wants to know why Jay isn’t a big fan of mutual funds. A job changer wants to know what to do with his old 401k. Then Jay tackles why you should “Go Global” when you invest and illustrates two ways you can accomplish this in your portfolio.
Your Host: Jay Peroni, CFP
(Certified Financial Planner, Best-Selling Author)
Jay Peroni is a Certified Financial Planner and investment advisor with 16 years of money management experience. He is a public speaker, and is the author of The Faith-Based Millionaire. He is a leading authority on the subject of Faith-Based Investing.
___________________________________________________
Download the audio:
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Posted on October 26, 2011 in
Podcast
How can you be a pro-life investor? Do you have a portfolio strategy to weather the markets? Jay shows you how…
On Today’s Show:
Do you have a portfolio strategy that can survive and thrive come rain or shine? On Today’s show Jay covers how to build an all-weather portfolio strategy to be used for good and bad markets. Jay also examines consumer spending trends to show you how to spot opportunities. He takes a closer look at a client who is strongly pro-life and how she built a portfolio that lined up with her beliefs. Lastly Jay gives a run down on some of the latest 3rd quarter earnings reports.
Your Host: Jay Peroni, CFP
(Certified Financial Planner, Best-Selling Author)
Jay Peroni is a Certified Financial Planner and investment advisor with 16 years of money management experience. He is a public speaker, and is the author of The Faith-Based Millionaire. He is a leading authority on the subject of Faith-Based Investing.
___________________________________________________
Download the audio:
fbi show 8
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Posted on October 25, 2011 in
Podcast
What does it mean to be a faith-based investor?
On Today’s Show:
Jay takes a look at how you can you make a difference with your money. He looks at the heart of faith-based investing and what it means to incorporate your faith into the investment process. Jay also takes a look at one of his most successful investment strategies – the Dueling Duo portfolio which consists of momentum based stocks. As always Jay shed light on the current markets and economy showing you how you can make money in this market.
Your Host: Jay Peroni, CFP
(Certified Financial Planner, Best-Selling Author)
Jay Peroni is a Certified Financial Planner and investment advisor with 16 years of money management experience. He is a public speaker, and is the author of The Faith-Based Millionaire. He is a leading authority on the subject of Faith-Based Investing.
___________________________________________________
Download the audio:
fbi show 7
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