I'm sure you've heard this before. If you have investments, the most important step you can take to ensure a healthy return is to allocate your assets correctly between equities (stocks) and fixed income investments (bonds, cash, and cash equivalents). Some financial advisers feel so strongly about the importance of asset allocation, they say 90% of your total return over time depends on your investment mix between stocks, bonds, and cash-rather than your specific choices of the individual instruments in your portfolio. Some even suggest asset allocation affects 100% of returns over time.
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