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Investment Personality

Discover different investment personalities and determine which type of investment strategy suits your needs. Explore the benefits and drawbacks of conservative, moderately conservative, moderate, moderately aggressive, and aggressive investment approaches.

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Investment Personality

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  1. Investment Personality

  2. Would you want to be in this type of investment? Why or why not? • Who benefits most from this type of investment strategy? Who would not benefit from this investment strategy?

  3. Conservative • Does not tolerate market fluctuations • Lose upside potential • Need investments as paycheck; tight budget cannot lose money; little time recoup losses • Cash & maturity bonds (CDS & Money market) – Fixed Annuities • High inflation can hurt them, why???

  4. Moderately Conservative • Tolerate a little more risk but cannot take large short term fluctuations • Retires, soon to be retired, been hurt by investments in past • want to be in the game, mostly defensive • fixed income securities, several types of stock (blue chips), real estatereturn a little more than taxes and inflation

  5. Moderate • Long term investment for retirement or college fundingMOST INVESTORS want good return will take some risk (be somewhat in line with market – S & P 500) • greater returns – have more timebonds to high risk stocks

  6. Moderately Aggressive • Taking on more downside risk & have money to contribute Less fixed income investments more aggressive bonds and mutual funds • More offensive • lose more S & P – gain moreMore capital gains .. Why?

  7. Aggressive • Want substantially outperform marketseasily lose 1/3 of money in a few months! • small cap, sector stocks or mutual funds (few fixed income mutual funds) • Younger – more time; want lots of money fast & have enough income to lose money Lots capital gains

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