What appeared to be temporary macroeconomic condition previously; now is more likely to be permanent as evident by high inflation and high interest rate. Households are saving less, but they are not necessarily spending more in terms of quantity.   There is no better time than revisiting whole portfolio and reshuffling to adjust to the new environment.   Risk ...

Diversification is often mistaken as spreading into as much investment assets as possible, as evenly as possible.   Here are common mistakes made.   1. Diversification without a strategy and purpose Having a strategy and purpose enhances quality of diversification.   For instance, some assets are meant to generate cash flow which will provide steady income during recessions. As for other riskier ...