Any changes will have an impact on the hypothetical historical performance results, which could be material. Past performance does not guarantee future results, which may vary. The hypothetical historical returns were created with the benefit of hindsight using the percentage allocations indicated above. Volatility: As measured by standard deviation, a risk calculation of the dispersion of individual returns around the average return. Risk is measured by standard deviation, the dispersion of individual returns around the average return. Diversifiers include emerging market debt (USD), emerging market debt (local currency), global high yield, bank loans, emerging market equity, international small cap equity, international real estate, US real estate, and global infrastructure and master limited partnerships.
In fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved. Hypothetical performance results have many inherent limitations and no representation is being made that any investor will, or is likely to achieve, performance similar to that shown. The hypothetical historical returns were created with the benefit of hindsight using the percentage allocations indicated above. Past performance does not guarantee future results, which may vary. This is for illustrative purposes only. Past performance of an index or indices does not represent performance of any Goldman Sachs product or fund. The value of investments and the income derived from investments will fluctuate and can go down as well as up. No assurance can be given that the investment objective may be achieved. Past results are not indicative of future results. Please be advised that since this example is calculated gross of fees and expenses the compounding effect of an investment manager's fees are not taken into consideration and the deduction of such fees would have a significant impact on the returns the greater the time period and as such the value of the $10,000 if calculated on a net basis, would be significantly lower than shown in this example. The example provided does not reflect the deduction of investment advisory fees and expenses which would reduce an investor's return. GROWTH OF $10,000: A graphical measurement of a portfolio's gross return that simulates the performance of an initial investment of $10,000 over the given time period. Past performance does not guarantee future results, which may vary. Volatility, as measured by standard deviation, is a risk calculation of the dispersion of individual returns around the average return. Diversification does not protect an investor from market risk and does not ensure a profit. Style boxes are represented by their respective Russell indexes. It can be a onetime consultation or an ongoing working relationship to help you plan your overall investment strategy.Source: Bloomberg and GSAM.
Difference bond stock mix portfolio drawdown professional#
If you need more personal help or guidance, you can always reach out to a professional Financial Advisor: someone to look at your portfolio and make sure it’s working for and towards your goals. Since they each behave differently, a combination of both can provide a more balanced portfolio.īut the “right mix” really depends upon each individual investor’s risk tolerance, timeline, and strategy.įor example, if you’re 25 and saving for retirement that is 40+ years away, you can probably afford to take on more risk (and thus buy more stocks than bonds) than someone who is saving for a down payment on a home in 3 years or someone who’s looking to retire in 10 years or less.Īs you age and get closer to pulling money out of your investments, you may focus less on growth and want the lower risk and potential for fixed income that bonds can generate. It’s essential to have a mix of stocks and bonds in a healthy investment portfolio. Too much of anything can become a bad thing.
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