Standard and Poor's
Short Company Name:
Standard and Poor's
Long Company Name:
Standard and Poor's
Company Type:
Rating Agency
Web Site:
Phone Number:
212-438-1000
Year Founded:
1860
Key Phrases:
Asset Allocation
Simply put, asset allocation involves spreading your money across different types of investments or “asset classes “. It’s how you divvy up your portfolio--whether you choose, cash, bonds or stocks or some other combination of asset categories. The idea is to figure out what is the right or “optimal” mix of asset classes to meet your investing objectives and risk tolerance. A key objective is to find investments that are not correlated. In other words, risk is theoretically reduced by having investments that don’t all move down at the same time to reduce risk. To keep your portfolio in ship-shape, you need to periodically revisit your asset allocation and rebalance your portfolio. In other words, buy and sell for the portfolio from time-to-time because various assets grow at different rates.
New Rules for Older Investors - Especially When it Comes to Equities
What are older investors to do right now? Get out of the stock market entirely? Stay out of the market if you have already decided to get out? Get back into the market now or wait and risk further increases while on the sidelines? Place the majority of your savings in bonds? Purchase an immediate annuity ? Purchase that immediate annuity with inflation protection? Tough questions for both investors and their advisors. There are some good thoughts and discussions shared in a recent New York...
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A Changing Variable Annuity Landscape -- What to Watch for in the Next Few Years
This is the second part of an interview with...
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A Changing Variable Annuity Landscape -- The Consumer Perspective
This is the first part of an interview with Ryan Hinchey.
Ryan is a consulting...
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Top Financial Planner Comments on Immediate Annuities, Longevity Insurance and Long Term Care
One of the nation's top financial planners is bearish on the recent upsurge in immediate annuity sales. An advocate of maintaining options and flexibility with retirement planning , this financial advisor sees immediate annuities as too restrictive for many financial plans. In contrast to the views on immediate annuities, longevity insurance or longevity annuities are discussed in light of the income and asset allocation options they create for retirees: "Of all the products that are out there...
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