Asset Allocation For Dummies by Perrucci (PDF)

Description

An easy-to-understand how-to guide to the single most important thing you can do in investing — choosing and mixing your assets successfully. You don’t need to be an expert analyst, a star stock-picker, or a rocket scientist to have better investment results than most other investors. You just need to allocate your assets in the right way, and have the conviction to stick with that allocation.The big secret behind asset allocation — the secret that most sophisticated investors know and use to their benefit — is that it’s really not all that hard to do.Asset Allocation For Dummies serves as a comprehensive guide to maximizing returns and minimizing risk — while managing taxes, fees and other costs — in putting together a portfolio to reflect your unique financial goals. Jerry A. Miccolis (Basking Ridge, NJ), CFA®, CFP®, FCAS, MAAA is a widely quoted expert commentator who has been interviewed in The New York Times and the Wall Street Journal, and appeared on CBS Radio and ABC-TV. He is a senior financial advisor and co-owner of Brinton Eaton Wealth Advisors (www.brintoneaton.com), a fee-only investment management, tax advisory and financial planning firm in Madison, N.J. Dorianne R. Perrucci (Scotch Plains, NJ) is a freelance writer who has been published in The New York Times, Newsweek, and TheStreet.com, and has collaborated on several financial books, including I.O.U.S.A, One Nation, Under Stress, In Debt (Wiley, 2008).

User’s Reviews

Editorial Reviews: From the Inside Flap Use allocation strategies that best serve your goalsBalance and rebalance your portfolioMaximize returns and minimize riskUse allocation strategies of the pros and protect your financial futureYou don’t have to be an investment expert to allocate your assets successfully. This plain-English guide demystifies the process, giving you timely advice on diversifying your investment portfolio to help insulate it against volatility. You’ll see how to develop your personal investment strategy, avoid costly mistakes, and rebalance to generate extra return. The ABCs of asset allocation — discover how it works, why to do it, and the level of risk you’re comfortable withExplore the different asset categories — from cash and bonds to stocks, mutual funds, exchange-traded funds, and morePlan your investment strategy — set your portfolio constraints, outline your financial goals, and select your asset classesChoose securities and accounts — select the best ones, understand fees and expenses, and take advantage of tax breaksMaintain your portfolio — keep tabs on your investments, know when to rebalance, and measure your results against appropriate market benchmarksGo beyond the basics — consider alternative investments (such as real estate and commodities), maximize after-tax results, and work with the pros when you need helpOpen the book and find:The top asset allocation mistakesHow to match the right investments with the right accountsWays to successfully manage riskBest practices for portfolio rebalancing”What if?” investment scenariosHistorical rates of return on ten asset classes and subclassesHow to project your financial futureGuidance for fine-tuning your long-term allocation plan From the Back Cover Use allocation strategies that best serve your goalsBalance and rebalance your portfolioMaximize returns and minimize riskUse allocation strategies of the pros and protect your financial futureYou don’t have to be an investment expert to allocate your assets successfully. This plain-English guide demystifies the process, giving you timely advice on diversifying your investment portfolio to help insulate it against volatility. You’ll see how to develop your personal investment strategy, avoid costly mistakes, and rebalance to generate extra return. The ABCs of asset allocation — discover how it works, why to do it, and the level of risk you’re comfortable withExplore the different asset categories — from cash and bonds to stocks, mutual funds, exchange-traded funds, and morePlan your investment strategy — set your portfolio constraints, outline your financial goals, and select your asset classesChoose securities and accounts — select the best ones, understand fees and expenses, and take advantage of tax breaksMaintain your portfolio — keep tabs on your investments, know when to rebalance, and measure your results against appropriate market benchmarksGo beyond the basics — consider alternative investments (such as real estate and commodities), maximize after-tax results, and work with the pros when you need helpOpen the book and find:The top asset allocation mistakesHow to match the right investments with the right accountsWays to successfully manage riskBest practices for portfolio rebalancing”What if?” investment scenariosHistorical rates of return on ten asset classes and subclassesHow to project your financial futureGuidance for fine-tuning your long-term allocation plan About the Author Jerry A. Miccolis, CFA, CFP, FCAS, MAAA, is a financial advisor, widely quoted financial author, and expert commentator who has appeared on CBS Radio and ABC-TV. Dorianne R. Perrucci is a freelance writer who has been published in The New York Times, Newsweek, and TheStreet.com, and has collaborated on several investing books, including I.O.U.S.A., One Nation, Under Stress, In Debt (Wiley, 2008). Read more

Reviews from Amazon users which were colected at the time this book was published on the website:

⭐First, let me explain that I am an inveterate stock picker and market timer. And, as a hobbyist, I’ve been pretty good at it. But as a responsible husband and father of two, I’m not reckless enough to think that my family’s future should hinge on my continued ability to pick the right stocks and guess when the market is going to turn the next corner. Besides, the meltdown of the fall of 2008 shook me. I want to invest the bulk of the family assets in a way that might not be as exciting, but is a lot more reliable as far as securing our future lifestyle is concerned. That’s what led me to the asset allocation approach. I searched a few titles for a primer on the subject and finally found this one. It’s crystal clear in explaining asset allocation and how it works. It goes beyond that, too, in explaining rebalancing, how to locate assets in different accounts to save on taxes, how to find the right investments (stocks, bonds, real estate, commodities, mutual funds, exchange traded funds, etc.) at the lowest cost, how to tie our investments into our long-term financial plan, etc., etc. And the case studies really hit home. What really struck me, though, is that this is no simpleton’s guide to investing — the stuff that’s covered is actually pretty sophisticated, but I can’t imagine it being explained any more understandably than it is here. I would heartily recommend this book to all the do-it-yourselfers out there. You know, I would even recommend it to those who have financial advisors, since this book will make you a much more informed buyer of advice during these days when it’s hard to trust anyone with your money. The chapter on how to grill an advisor before you hire one is worth the price all by itself.[5 stars]

⭐In order to allocate anything, you must first have something to allocate. Asset Allocation for Dummies is apparently directed at investors with portfolios of $250,000 to $500,000 or more. The book refers to portfolios of less than $250,000 as “small portfolios,” and wonders aloud if those with small portfolios should even bother with individual stocks at all. Just buy index funds, the book suggest.For those with enough assets to play with the big boys, the book may be helpful for all the reasons already mentioned in other posts. But you must do the exercises, which can be extensive.The book offers little guidance in picking individual stocks to allocate to your equity classes (Healthcare, Consumer staples, Financials, Energy, Technology, Telecommunications, etc.). “So how do you pick a good stock?” the book ask and recommends, “Investing for Dummies (5th Edition)”, by Eric Tyson. I agree. Investing for Dummies is easier to understand and should be read before tackling Asset Allocation for Dummies.Happy investing.

⭐A complete and thorough review of all information pertaining to Asset Allocation. More information than one could want. A good book.

⭐Good

⭐If you know nothing about asset allocation, you’ll know next to nothing when done with the book. Sure it explains risk and how using asset allocation can reduce risk, etc. BUT when it comes time for details, they are nowhere to be found.Wouldn’t it be great if a book on asset allocation had some recommendations on, let’s say, ASSET ALLOCATION???Wouldn’t it be great if a book that talks about using asset allocation to create non-correlating investments actually told you which asset classes are non-correlating?Sadly this book is not much more than an outline. At the end you will have no further help in determining which way to allocate your assets, and which have been successful in the past, which you might consider for your particular situation, etc.After reading this book, you’ll know the true dummies were the authors.AND avoid the Kindle Version. The graphics are all turned every which way, are to small in size to be readable, and a visual embarrassment for the publishers.

⭐One of the best Dummies books I ever read.

⭐Practical guide for beginners.

⭐Would recommend to anyone who is ready to choose their own mutual fund investments rather than rely on others and pay more

⭐Was expecting a simple approach to demystifying this topic …. but this is a confused and at times over complex narrative.

⭐Very good and interesting, explains asset management in a very simple and efficient way

⭐Not bad!

⭐Product never received. Did reach out (However out of the 15days window). Seller not willing to discuss or find a solution. Bad experience.

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