Mark Andraos

Aligning Asset Allocation with Goals and Objectives

We all see the daily headlines: “Ten Stocks Poised for a Breakthrough this Summer” or “Here’s how to Profit by Playing these Oil Companies” or something to that affect. We’ve constantly been inundated by financial headlines, being forced to separate sound and suitable advice from the noise. From all this, the big question I hear from a lot of investors is “Where should I invest my money?” While there’s no “cookie-cutter” answer that fits the mold of each investor, there is one common solution: having a disciplined asset allocation strategy in place establishes a guideline and program for investors to follow.

So what should my asset allocation be? The answer to this question is quite simple – it should be the one that you are comfortable with and the one that you understand will help you reach your goals and objectives. Here’s an example: for a young professional who just became eligible to enroll in his company retirement plan, it may make sense to have a more aggressive, growth-oriented asset allocation. Conversely, retirees who are relying on their 401(k) and IRA assets to supplement their post-retirement income may want to consider a more moderate or balanced allocation.

The most significant determinant to asset allocation is ALIGNING your time horizon because time is an investor’s best friend. The longer your time horizon, the higher the risk/reward opportunities. It’s important to remember that your asset allocation must be flexible as you approach your investment goal.

Mark is a Portfolio Analyst at Heller Wealth Advisors. If you would like to learn more about how to align your asset allocation with your goals and objectives, please contact Mark at This email address is being protected from spambots. You need JavaScript enabled to view it.


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