{"id":23429,"date":"2024-06-14T12:05:32","date_gmt":"2024-06-14T16:05:32","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=23429"},"modified":"2025-04-02T20:33:22","modified_gmt":"2025-04-03T00:33:22","slug":"strategic-asset-allocation","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/strategic-asset-allocation\/","title":{"rendered":"What Is Strategic Asset Allocation? Definition + Allocation Strategies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"23429\" class=\"elementor elementor-23429\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-292add9a elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"292add9a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-277a580b\" data-id=\"277a580b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fcbdde elementor-widget elementor-widget-text-editor\" data-id=\"9fcbdde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Strategic asset allocation is the practice of setting a goal for each of your asset classes (e.g.,\u00a0<a href=\"https:\/\/www.iwillteachyoutoberich.com\/all-about-stocks-and-bonds\/\">stocks, bonds<\/a>, cash), and rebalancing it every year as you realize\u00a0earnings on your investments.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>This is a great tactic if you want to:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Focus on long-term financial goals<\/li>\n<li>Enjoy a hands-off approach to your portfolio and not wring your hands over how the market is performing<\/li>\n<li>Reduce your risk as an investor<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>In this post, we&#8217;ll walk you through how to set up your asset allocation in a way that makes sense for your goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbc8931 elementor-widget elementor-widget-heading\" data-id=\"cbc8931\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are investment assets?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58573d8f elementor-widget elementor-widget-text-editor\" data-id=\"58573d8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:image {\"align\":\"center\",\"id\":41037,\"width\":768,\"height\":512,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} --><\/p>\n<p><!-- \/wp:image --><\/p>\n<p><!-- wp:heading --><\/p>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"vertical-align: baseline;\">When you invest, your money goes into different assets. These are government bonds,\u00a0<\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/all-about-mutual-funds\/\"><span style=\"text-decoration: underline; vertical-align: baseline;\">mutual funds<\/span><\/a><span style=\"vertical-align: baseline;\">, stocks, retirement savings, and even real estate.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"vertical-align: baseline;\">Not all of these assets carry the same risk. For instance, stocks are deemed riskier than say government bonds. Choosing your ideal mix of assets will depend on various factors including:<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li><span style=\"font-weight: bold; vertical-align: baseline;\">Your age:\u00a0<\/span><span style=\"vertical-align: baseline;\">Your allocation strategies shouldn&#8217;t be the same in your twenties as in your fifties. That&#8217;s because the risk needs to start reducing towards the end of your investment journey so you can start preserving more of your capital.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: bold; vertical-align: baseline;\">Your risk appetite:\u00a0<\/span><span style=\"vertical-align: baseline;\">The mixture of asset classes will depend on whether you&#8217;re a conservative investor or not. Those who are willing to take on more risk, might include assets such as cryptocurrency in the mix, or have a higher percentage invested in stocks.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: bold; vertical-align: baseline;\">Your goals:\u00a0<\/span><span style=\"vertical-align: baseline;\">If you&#8217;re saving for a gadget you want to buy in a few weeks or months, it doesn&#8217;t make sense to put that money into a volatile, high-risk stock. Sure, it might pay off and you&#8217;ll have a quick return, but that&#8217;s not the norm. <a href=\"https:\/\/www.iwillteachyoutoberich.com\/short-term-investments\/\">Short-term investing<\/a> should be in a low-risk, even no-risk portfolio. <a href=\"https:\/\/www.iwillteachyoutoberich.com\/what-is-average-retirement-age\/\">Retirement<\/a> is different, however, as investors often start in their twenties or thirties with the hopes of retiring in their late fifties to early sixties. This gives enough time to catch up with the many market downturns synonymous with investing.\u00a0<\/span><\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:shortcode --><br \/><span style=\"font-family: 'PP Mori', 'PP Mori'; font-size: 40px; letter-spacing: 0px;\">Why do we recommend strategic asset allocation?\u00a0<\/span><\/p>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"vertical-align: baseline;\">Strategic allocation allows you to be intentional about your investment choices, without being chained to the mundane of everyday management. Sure, you might have to spend some time on it, but make it a once-a-year thing if you can.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"vertical-align: baseline;\">So how do you do this? <a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-psychology-of-automation-building-a-bulletproof-personal-finance-system\/\">Automated investments<\/a>. You can automate everything from the money that goes from your bank account into the fund, to choosing funds and assets. You can even put a mandate in place for fund switches when there&#8217;s a serious market nosedive.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-how-to-set-up-strategic-asset-allocation\">How to set up strategic asset allocation\u00a0<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>First, let&#8217;s start with an example:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Imagine youre a 24-year-old who just opened up a brokerage account with $3,000. If you want to employ strategic asset allocation, youll want to set certain percentages youll want in each asset class based on your goals.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Since youre young and have many years before retirement, you might be more willing to take risks with your portfolio. Considering this, you decide to be aggressive and put your money in 80% stocks ($2,400) and 20% bonds ($600).<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>A year later, you discover that your stocks accrued 20% from your initial investment, while your bonds have earned you just 2%. This leaves your assets at 82% stocks ($2,880) and 18% bonds ($612).<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Now your assets are unbalanced in accordance with the goals you set for them and its time to <em>rebalance <\/em>them.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>In order to stay in line with your strategic asset allocation strategy, youll need to take 2% or about $57.60 out of your stocks and into your bonds. Thatll leave your portfolio nice and balanced at 80% stock and 20% bonds once more.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Of course, your goals will change over time. As you get older, youll find that you might want to be more conservative with your investments, and you can change your asset allocation percentage so they fit your needs.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Consider the following scenarios, including your timeline and risk tolerance to help you figure out the best asset allocation strategy for you.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-determine-your-investment-timeline\">Determine your investment timeline\u00a0<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Your asset allocation should be adjusted according to the amount of time you have to invest. For instance, if you have a one-year goal or a fifteen-year goal, the <a href=\"https:\/\/www.iwillteachyoutoberich.com\/investment-strategies\/\">investment strategies<\/a> should look different.<\/p>\n<p>The shorter the term, the less risk you should have in your portfolio. Ideally, investments should run for a minimum of ten years to get the most out of the markets.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<p><!-- \/wp:cover --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beb60de elementor-widget elementor-widget-heading\" data-id=\"beb60de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42495d7 elementor-widget elementor-widget-text-editor\" data-id=\"42495d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u200b\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out:<!-- notionvc: beabc47f-6fd5-41e6-96e7-9851b50e2af8 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35d88aa elementor-widget elementor-widget-button\" data-id=\"35d88aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-680be41 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"680be41\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7522d1\" data-id=\"f7522d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13db91b elementor-widget elementor-widget-text-editor\" data-id=\"13db91b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"h-assess-your-risk-tolerance\"><span style=\"font-weight: 400;\">Assess your risk tolerance&nbsp;<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Risk tolerance is how much risk you want to expose your capital to. An aggressive approach might not be for everyone, even if they have 20 years plus to ride out the markets.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Its important that you are comfortable with your risk tolerance because there is always an opportunity for loss in investing. The higher the risk, the higher the chance of loss.<\/p>\n<p>But there&#8217;s also a chance of higher earnings. The point is, you need to be comfortable with the potential of your risk class compared to the potential for total loss.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-determine-your-goals\"><span style=\"font-weight: 400;\">Determine your goals&nbsp;<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>What is the point of <a href=\"https:\/\/www.iwillteachyoutoberich.com\/investing-for-beginners\/\">investing<\/a> and how will strategic asset allocation play into those goals? If your goals are to spend as little time micro-managing your investments as possible, then strategic allocation is your best investment friend.<\/p>\n<p>Add to that investment automation and you&#8217;ll have plenty of free time to do whatever you want instead of scouring newspapers, widgets, and indicators for hours a week trying to maximize your returns.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Sure, there is a time to intervene but knowing when and how often is what will allow you to strike a good balance.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>You want to spend less time figuring out financial jargon&nbsp;<\/li>\n<li>You prefer investment automation&nbsp;<\/li>\n<li>Risk tolerance is worked into your allocations&nbsp;<\/li>\n<li>There&#8217;s a planned review every year to determine whether you&#8217;re still on the right course and whether your allocations are where they need to be&nbsp;<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-purchase-funds-in-each-asset-class\"><span style=\"font-weight: 400;\">Purchase funds in each asset class<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>This is a simple way to make sure you have a nice, <a href=\"https:\/\/www.iwillteachyoutoberich.com\/diversified-portfolio-examples\/\">diverse investment portfolio.<\/a> And diversity matters. Remember when financial pundits were telling everyone that property was the safest portfolio and that the likelihood of a market crash was just, well silly?&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Turns out that did happen and well, we literally refer to it as the mortgage crash. Now, property is still worth looking at when considering your investment strategy because the market did quite a rebound. But here&#8217;s the thing.<\/p>\n<p>Don&#8217;t tie all your money up in that one asset that seems to be going well at that point in time. Those who were able to wait it out managed to make their money back and then some. Those who retired at the time of the crash, not so much.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Split your assets as much as possible to increase your chances of good returns&nbsp;<span style=\"font-style: italic;\">and<\/span>&nbsp;reduce your risk. Even when you&#8217;re investing in an asset, for instance, stocks, split those funds even more. Consider index funds that include a basket of funds so you&#8217;re as diverse as you can possibly get.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:shortcode --><br><span style=\"font-family: 'PP Mori', 'PP Mori'; font-size: 32px; font-weight: 600; letter-spacing: 0px;\">Rebalance your portfolio every 12-18 months<\/span><\/p>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>In order to <em>stay<\/em> balanced, you&#8217;ll need to check out your portfolio and rearrange funds in order to stay in accordance with the allocation percentages you set as a goal.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-strategic-asset-allocation-vs-tactical-asset-allocation\">Strategic asset allocation vs tactical asset allocation<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Now, its worth mentioning that these asset allocation strategies don&#8217;t exist in isolation. Also, strategic asset allocation is just one method of dealing with your investments. There&#8217;s also no rule that says if you choose one method, you need to stick to it for the next thirty or forty years.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Its not unusual for you to use several methods at times, even if you have a main method. For instance, you can opt for strategic allocation, and at times, employ tactical allocation.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Tactical allocation simply means you&#8217;re in the thick of it all the time, making even the minutest decision regarding your investments.&nbsp;It&#8217;s the opposite of the hands-off strategic allocation model.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Fund managers often use a tactical approach to asset allocation and it works, because they know what they&#8217;re doing. The goal here is to maximize profits and when this is done, the portfolio is returned back to its original state. Its only supposed to be a temporary measure.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>There are other allocation methods too.&nbsp;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li><span style=\"font-weight: bold;\">Constant Weighting Asset Allocation:&nbsp;<\/span>You allocate certain percentages to certain asset classes, for instance, 80% to stocks and 20% to bonds. When the markets shift and you&#8217;re suddenly 25% in bonds, you immediately adjust this. Some investors allow the balance to tilt by up to 5% before they adjust their investment split.&nbsp;<\/li>\n<li><span style=\"font-weight: bold;\">Dynamic Asset Allocation:&nbsp;<\/span>You&#8217;re in a constant game of buy and sell. When markets are weak, you sell and when they pick up, you buy. This method plays into the strengths of portfolio managers.&nbsp;<\/li>\n<li><span style=\"font-weight: bold;\">Insured Asset Allocation:&nbsp;<\/span>This method allows you to establish a base profit margin and should the investment dip below it, you start moving funds to secure investment assets that carry little to no risk.&nbsp;<\/li>\n<li><span style=\"font-weight: bold;\">Integrated Asset Allocation:&nbsp;<\/span>This method is entirely focused on risk and may include aspects of the other methods. Assets are chosen with the investors risk tolerance in mind and all decisions regarding investments are weighed up against risk, not possible future returns.&nbsp;<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-to-conclude\"><span style=\"font-weight: 400;\">To conclude&nbsp;<\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Investing can be as easy or as hard as you want it to be but when your portfolio strategy is all about asset allocation, you&#8217;re one step closer to a healthy asset mix.&nbsp;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9cac43 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"a9cac43\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-18267cf\" data-id=\"18267cf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-85b4add elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"85b4add\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you\u2019ve read this far, you\u2019d LOVE our Ultimate Guide to Personal Finance\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0908db3 elementor-widget elementor-widget-text-editor\" data-id=\"0908db3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things we&#8217;ve published, and totally free \u2013 just tell us where to send it:<!-- notionvc: e4433a34-b51a-4246-8ec1-62c1fcfccab9 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a1ab7cf elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"a1ab7cf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e062aca\" data-id=\"e062aca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba9bb87 elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"ba9bb87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53563\"><form id=\"wpforms-form-53563\" class=\"wpforms-validate wpforms-form\" data-formid=\"53563\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/23429\" 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id=\"wpforms-53563-field_14-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53563-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53563-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53563-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53563-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/23429\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/strategic-asset-allocation\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Strategic asset allocation is the practice of setting a goal for each of your asset classes (e.g.,\u00a0stocks, bonds, cash), and rebalancing it every year as you realize\u00a0earnings on your investments. This is a great tactic if you want to: Focus on long-term financial goals Enjoy a hands-off approach to your portfolio and not wring your [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":92630,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-23429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/23429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=23429"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/23429\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/92630"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=23429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=23429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}