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It's important to develop a suitable asset allocation using broadly diversified funds.

Vanguard and Lamon & Stern

The Vanguard Group, Inc.:
A sound investment strategy starts with an asset allocation suitable for the portfolio's objective.
The allocation should be built upon reasonable expectations for risk and returns, and should use diversified investments to avoid exposure to unnecessary risks. READ MORE at Vanguard

Minimize the possibility of loss and finance all goals using low-risk investments.

Stocks are risky—and so is avoiding them

Stocks are inherently more volatile than investments such as bonds or cash instruments. This is because equity owners are the first to realize losses stemming from business risk, while bond owners are the last. In addition, whereas bond holders are contractually promised a stated payment, equity holders own a claim on future earnings. But the level of those earnings, and how the company will use them, are beyond the investor's control. Investors thus must be enticed to participate in a company's uncertain future, and the "carrot" that entices them is higher expected or potential return over time.

Contact Hollis Lamon today for all diversification questions.

Diversification is a powerful strategy for managing traditional risks.