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Plan Insight

OCTOBER 2010 Newsletter

Fiduciary Perspective: Investment Risk vs. Return

The risk and return relationship of investment products is often illustrated as a pyramid. The base of the pyramid houses products that are characterized by little risk and comparatively low rates of return. As we move up the pyramid, the products grow riskier but have the potential for greater returns.

Investment Risk Pyramid

The idea behind the pyramid is that a personal financial and investment plan should be developed according to similar proportions. Beginning with a base of financially sound and safe products, the plan then expands to incorporate various investment types, with varying degrees of risk and return potential. Using the pyramid concept as a guide, a diversified investment portfolio emerges, which spreads risk by mixing invested assets among different types of investments. Take a  moment to review the pyramid in terms of risk, return, and liquidity in relation to what your plan offers.

 

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Information is provided for review and consideration only. Please consult legal and tax advisors for practical advice pertaining to your business and personal situations.

Material in our newsletter may have been extracted in whole or in part from the IRS Employee Plans publication, and the presence of IRS material does not constitute or imply the endorsement, recommendation, or favoring by the IRS of any opinions, products, or services offered by the sponsor of this web page or document.

This page was last reviewed and/or updated on Friday, July 03, 2015 05:21 PM

 

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