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Strategic Allocation

Explore the evolution of strategic asset allocation with our comprehensive presentation provided by the Foundation for Financial Education. Learn about traditional asset allocations, the importance of adapting to change, and the implications of tax strategies on your investments. Delve into essential topics such as income planning, leveraging assets, and understanding risk versus reward. We'll cover stocks, bonds, real estate, and innovative financial tools like life cycle funds and tax shelters. Equip yourself with the knowledge needed for effective financial planning and securing your future.

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Strategic Allocation

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  1. Strategic Allocation 3 E F Presented By: Foundation for Financial Education www.f3eonline.org | info@f3eonline.org | 240-499-0390

  2. OUTLINE • Traditional Asset Allocations • Evolution to New Allocations • Tax Implications • Leveraging Assets • Income Planning • Adapting to Change

  3. Traditional Asset Allocation • Stocks vs. bonds vs. mutual funds • Rule of 100 • Real estate in your portfolio • Tax benefits & Capital growth • Risk vs. Reward

  4. Evolutions of Asset Allocation • Life cycle funds TSP, fidelity, 401(k) • Reits & Index Funds • Tax shelters (Roth, Munis, LI)

  5. Tax Implications • Capital gains vs. dividend vs. interest • Marginal tax rates now and retirement • Tax time bomb (defer, defer, defer) • Gifting 15% 25% 39%

  6. Benefit, you, your family & Charity $1,000,000 $500 K $500 K @ 4% @ 6% @ 5% $40,000 - TAX CRT $28,000 $30,000 $25,000 Strategic Allocation

  7. Income Streams • Cola/inflation adjustments • Survivor Benefit Pension (SBP) • Life expectancy

  8. Changing Market Environment

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