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Gold and its Glitter: Role of Gold in Portfolio Asset Allocation

“You can fondle it, you can polish it, you can stare at it. But it isn’t going to do anything.” That’s what Warren Buffett had to say about gold. Essentially it is a useless commodity. But it has gone up every year for the last 10 years. It has given returns...

How to use Diversification to reduce 3 types of risks

The core objective of diversification is to reduce risk – the idea being that peaks and troughs in a specific investment does not affect overall portfolio return objectives. If one defines risk less as volatility, and more as a either a complete or partial, but...

Is direct stock investing worth it or should mutual funds do?

Assuming that I want to “invest” in the stock market, and not “trade” or “speculate”, getting average market returns is a no-brainer. I just need to buy an open-ended index fund or an exchange traded index fund, and I am done. At...

5 Steps to Simplifying Portfolio Strategy using Asset Allocation

A lot of individual investors are so interested in getting answers to questions like which stocks to buy, at what price and when to sell – that they do not realize that these are the least important questions to get answered when it comes to building long term...