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A series designed to help all the new people flooding into & entering Crypto/Investments daily who get thrown into the rabbit hole so to speak and everything is new to them.
-- Bitshares 101 Focus/Resources Section for New Crypto Folks now included near the end of each post - starting just prior to Christmas 2017. BTS is a Decentralized Exchange and much more. Very undervalued!
*It is a TLDR / Short Form Series, covering ONLY one thing each episode in blue collar, easy to understand language to give a SHORT OVERVIEW of the term or lesson of the day.*
It is *specifically* designed this way to keep it short and simple.
People can then search out extra info if they wish.
I've never seen a regular series or resource running on Steemit to continually address this basic need so I decided to do it.
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## TERM OF THE DAY:
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## What is....
#### ' Asset Allocation ' ?
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Asset allocation is an investment strategy that aims to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance and investment horizon. The three main asset classes - equities, fixed-income, and cash and equivalents - have different levels of risk and return, so each will behave differently over time.
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## Breaking Down...
#### ' Asset Allocation ' :
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There is no simple formula that can find the right asset allocation for every individual. However, the consensus among most financial professionals is that asset allocation is one of the most important decisions that investors make. In other words, the selection of individual securities is secondary to the way that assets are allocated in stocks, bonds, and cash and equivalents, which will be the principal determinants of your investment results.
Investors may use different asset allocations for different objectives. Someone who is saving for a new car in the next year, for example, might invest her car savings fund in a very conservative mix of cash, certificates of deposit (CDs) and short-term bonds. Another individual saving for retirement that may be decades away typically invests the majority of his individual retirement account (IRA) in stocks, since he has a lot of time to ride out the market's short-term fluctuations. Risk tolerance plays a key factor as well. Someone not comfortable investing in stocks may put their money in a more conservative allocation despite a long time horizon.
-- Age-based Asset Allocation:
In general, stocks are recommended for holding periods of five years or longer. Cash and money market accounts are appropriate for objectives less than a year away. Bonds fall somewhere in between. In the past, financial advisors have recommended subtracting an investor's age from 100 to determine how much should be invested in stocks. For example, a 40-year old would be 60% invested in stocks. Variations of the rule recommend subtracting age from 110 or 120 given that the average life expectancy continues to grow. As individuals approach retirement age, portfolios should generally move to a more conservative asset allocation so as to help protect assets that have already been accumulated.
-- Achieving Asset Allocation Through Life-cycle Funds:
Asset-allocation mutual funds, also known as life-cycle, or target-date, funds, are an attempt to provide investors with portfolio structures that address an investor's age, risk appetite and investment objectives with an appropriate apportionment of asset classes. However, critics of this approach point out that arriving at a standardized solution for allocating portfolio assets is problematic because individual investors require individual solutions.
The Vanguard Target Retirement 2030 Fund would be an example of a target-date fund. As of 2016, the fund has a 14-year time horizon until the shareholder expects to reach retirement. As of June 30, 2016, the fund has an allocation of 74% stocks and 26% bonds. Up until 2030, the fund will gradually shift to a more conservative 50/50 mix, reflecting the individual's need for more capital preservation and less risk. In following years, the fund moves to 67% bonds and 33% stocks.
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Your Friend in Liberty, Barry.
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### Trading Candle Cheat Sheet:
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![](https://steemitimages.com/DQmNt9DMeZvh8LbWJpR2RAnTA11e51A9W2EB5xuv2cpuYQu/image.png)
###### [Further Reading/Source/Resources](https://www.investopedia.com)
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### Friend of the People -- Enemy of the State.
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https://i.imgur.com/iHrKXYo.jpg
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I am leaving these images I made here until I figure out one that fits properly and looks right for the first/main image for the post/series.
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![](https://steemitimages.com/DQmWyN71naYPUrjJwdVVb4jpPen4GBAJV2SfSyxmwQ5ynPa/image.png)
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Since Steemit dev's changed the size of the picture frame that shows, it has honestly been a real problem getting images to match the screen, it was perfectly fine months ago before they messed around with it.
SMH.
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## Bitshares 101 Focus/Resources Section:
#### for New Crypto Folks.
##### https://bitshares.org/
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![](https://steemitimages.com/DQmbue1DC4HAwzemUCBXLHdJcCg9jS1aTM8MWS2GNbvFX7b/image.png)
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-- Bitshares is a Trading platform, and a LOT more.... designed by blockchain wizard here Dan Larimer - @dan / @dantheman.
I've blogged on him, and BTS many many times.
It's a place you can use that is decentralized, with an active community, to use trading lessons like this, that we are learning together.
#### Just a few of my past $BTS blogs....
##### to help you apply lessons today!
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https://steemit.com/bitshares/@barrydutton/crypto-101-series-stan-larimer-the-godfather-of-bitshares-and-father-of-blockchain-liberty-genius-dan-larimer-interview-recently
https://steemit.com/bitshares/@barrydutton/will-blockchain-guru-dan-larimer-be-called-in-to-save-ethereum-as-crypto-kitties-grinds-eth-chain-to-a-halt-the-irony
https://steemit.com/cryptocurrency/@barrydutton/dan-larimer-video-interview-on-epicenter-recently-this-is-a-must-watch-listen-an-in-depth-look-chat-about-his-past-crypto-life
https://steemit.com/steemit/@barrydutton/dan-larimer-community-musical-tribute-post-a-music-video-to-say-thanks-and-best-wishes-to-our-steemit-co-founder
https://steemkr.com/bitshares/@barrydutton/so-tether-project-was-hacked-another-use-case-for-bitshares-and-dan-larimer-blockchain-genius-which-remains-undervalued-and
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Thanks for reading, have a nice day.
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https://steemitimages.com/DQmWA1X5emBD5j49cRaaGECd1AcauntEs1GWV7LiV7C6BqC/image.png
###### PixaBay has tons of free pictures for us all to use!!!
###### Super Easy/Fast Picture Edits / Resizing at: http://www.picresize.com/ and also https://www298.lunapic.com/editor/
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https://steemitimages.com/0x0/https://steemitimages.com/0x0/https://steemitimages.com/DQmWGQ9N7Ysr3o9dir4G6hXrK9s7dfAoCbjmf6YQz4Uthdw/image.png
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http://i.imgur.com/68SXQpW.gif
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### If you liked this blog post - please Resteem it and share good content with others!
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#### Some of my recent blogs:
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https://steemit.com/bitcoin/@barrydutton/the-correctioning-continues-video-crypto-101-tone-vays-former-wall-st-trader-show-trading-bitcoin-38-mins-usdbtcusd-still
https://steemit.com/bitshares/@barrydutton/bitshares-focus-investment-language-101-series-term-of-the-day-what-is-short-selling-or-e-46-or-trading-candle-cheat-sheet-incl
https://steemit.com/health/@barrydutton/e-9-or-fluoride-and-other-toxins-in-your-municipal-water-supplies-are-poisoning-you-they-re-full-of-cancerous-neurotoxins-and
https://steemit.com/freedom/@barrydutton/e-16-or-a-key-to-success-no-matter-what-be-the-best-version-of-you-1-day-at-a-time-some-thoughts-from-a-guy-that-actually-cares
https://steemit.com/food/@barrydutton/barry-s-bachelor-kitchen-my-lasagna-pie-chart-measuring-the-lasagna-eaten-to-the-lasagna-i-have-not-yet-eaten
https://steemit.com/bitcoin/@barrydutton/bitcoin-is-bigger-than-by-the-numbers-or-3-or-bitcoin-climbs-back-to-usd265b-market-cap-after-corrections-or-btc-is-bigger-than
https://steemit.com/homesteading/@barrydutton/barry-amongst-the-sheeple-homesteading-in-the-mall-or-and-a-hilarious-gif-of-course
https://steemit.com/crypto-news/@barrydutton/gokgw-crypto-101-shapeshift-currency-exchange-service-overview-for-new-crypto-folks-and-video-7-mins-just-released-by-them-on-customer
https://steemit.com/christianity/@barrydutton/quote-of-the-day-not-the-spirit-of-fear-but-of-power-love-and-a-sound-mind-or-2-tim-1-7-or-we-never-know-who-may-need-this-today
Most Images: Gif's - via Giphy.com , Funny or Die.com / Pixabay. Today:
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##### <center>If you feel my posts are undervalued or you want to donate to tip me - I would appreciate it very much.
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LiteCoin (LTC) - LKdsnvSXk9JW99EiNicFMGKc1FXiBo9tUE
Monero (XMR) - d8ecb02c09f70ec10504b59b96bc1f488af28b05933893dfd1f55b113e23fbff
EOS (EOS) - 0xD37bEFf5bf07E3aa432de00cE0AaA8df603A4fB0
Ethereum (ETH) - 0x3Ad69Ff057C9533ca667B2d7E3E557F5eeFd4477
Ethereum Classic (ETC) - 0x5ab2b08d4ce8d454eb9d1ecc65c6d8b0c5f9784c
Bitcoin (BTC) - 18J6RRuzX4V7b2CDbx7tWZYNBLkkGWsvWX
DASH - XgZvsvSZgPkNbmGbRhc3S1Pt2JAc7QHwiS
PIVX - DA3azxQqJiX9t7EviuacpamfNhMi2zGAUh
Stratis (STRAT) - SNsJp6v1jXvKWy4XcXSXfNQ9zhSJJppJgv
ZCash (ZEC) - t1aCPEYELkGaf3GtgGTiCEDo7XfPm4QEwmL
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##### Please note -- I will have limited internet access for awhile -- so PLEASE do not be upset that I cannot reply right away, or to everyone. I am dealing with some changes, and will have limited time online and will be happy if I get a few blog posts up a week.
###### This has really upset some people but I do not force my opinions on others, or need to communicate every detail of my life or issues, most people do not care anyways. I invested around 10 hours or more a day on Steemit most of my first 13 mths here, trying to build community, put out content and engage people, help and donate to people, and I just do not have that time in my life right now, and that includes for replies and voting/curation.
###### I have done my best, sorry if you do not understand like some are clearly having a problem with. It's a blogging platform, and I will do my best at everything, and to keep blogging.
###### Carry On.
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