Asset allocation means...

Asset allocation means choosing the best combination of stocks, bonds, property, commodity and FX. You don’t need to be expert on everything (I never see anyone is) but you just need to ensure your portfolio is well balance in these 5 areas.

In reality, it is nearly impossible for general public to execute. Why, here is the reason:

1. You don’t have that much fund (no money)
2. You don’t have that much knowledge (no knowledge)
3. You don’t have that much time to manage the portfolio (no time)


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