Asset Allocation2020-05-28T23:07:05-07:00


Asset allocation ensures your investments are spread across different asset classes (such as stocks, bonds, real estate, and cash). The objective is to support your investment goals by ensuring you take on enough risk to generate the returns you need, and reduce your volatility, by ensuring that over any given timeframe, the effects of underperforming asset classes are offset, or at least minimized, by over-performing ones.

If this isn’t managed correctly, you may either struggle to reach your investment goals or expose yourself to unnecessary risk as a result of unnecessary exposure to riskier asset classes. As with any investment strategy, asset allocation should change over time to reflect changes in the financial markets, your personal situation, and your changing attitudes towards investing.

Choosing Your Asset Allocation Strategy

There is no single perfect strategy. We work with you to allocate your assets in a way that reflects your goals, taking into account a wide range of factors:
Your Attitude Towards Risk – Different asset classes offer higher and lower-risk opportunities. We can adjust your allocation according to whether you are an aggressive or conservative investor.

Your Investment Objectives

Investing with the objective of making immediate income, for example, requires a different balance of assets compared to investing for future retirement.

Time Available

The amount of time you are committing to the investment to achieve your stated objectives. Typically the longer your time horizon, the greater the weighting towards riskier asset classes.

Your Preferences

Some investors have a preference for or against certain types of assets.

Tax Consequences

Different asset classes have different tax consequences. This may make it more efficient to allocate your assets in a certain way.

Regardless of your objective, effective asset allocation is an essential part of pursuing your investment objectives.

Working with Pence Wealth Management

By working with Pence Wealth Management, you can address that your assets allocation is working for you, not against you. Start managing your assets efficiently today by filling on the form below or by calling our team on 800.731.3623

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non- diversified portfolio. Asset allocation and diversification do not protect against market risk.


Explore our comprehensive investment management services that fit your unique needs and financial objectives.

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We put significant fundamental research work to choose the right investment opportunities for our clients.

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At any time, you can review your portfolio, request changes, or get more involved with how your funds are managed.

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By working with Pence Wealth Management, you can address that your assets allocation is working for you, not against you.

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We will work towards your portfolio in being properly diversified, enabling your portfolio to pursue growth

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We’ll regularly revisit your risk assessment with you to check that our current strategy still addresses your objectives & plan

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Our team will take a deep dive into your investments to help you reduce the taxes you pay on your assets.

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At Pence Wealth, we believe that good financial decisions don’t have to be confusing.

If you have any questions or want to schedule a complimentary meeting to discuss your specific questions, please do not hesitate to contact us.


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