The Asset Allocation Advantage

摘要

Suppose our baby boomer couple, Ted and Alice Smith, are in their early 50s and more financially secure. The Smiths are empty-nesters, who are not showing any tell-tale signs of mid-life crisis. With no mortgage payments to make, they are relatively healthy, stay active, take exotic vacations and visit their children frequently. They are also looking forward to a comfortable retirement. Faced with an inherited windfall, they decide to sink their $200,000 into building a new dream house for retirement. Now they have 75 percent of their assets invested in personal-use real estate. While real estate may be part of a sound investment portfolio, too much in any one thing is a poor strategy, says Martha Johnson, ChFC, of Wichita, Kansas.