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Investing Basics
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INVESTING BASICS
Get familiar with the fundamentals of investing, including risk vs. reward,
diversification, and asset allocation.
search
View all insights arrow_forward
WHAT IS DIVERSIFICATION AND ASSET ALLOCATION?
Every investor should begin with these two key ideas.
Diversification can be summed up with the familiar phrase: "Don't put all your
eggs in one basket." Including different types of investments in your portfolio
may help reduce your losses if one type—stocks, for example—take a hit when
other investments like bonds remain steady or go up.
Investors achieve diversification through a process called asset allocation,
which simply means figuring out how your funds will be spread among different
types of investments, such as stocks, bonds, and cash. Diversification may
reduce risk, but investors also want to earn a return, and so they need to
strike a balance between risk and reward. Lower risk investments carry less
chance of a loss but typically provide lower returns. Investors seeking higher
returns typically must take on greater risk.
I NEED THE MONEY IN: < 5 YEARS
You may prefer this less risky approach because you won't have time to recover
from a loss.
A conservative asset allocation aims to preserve a portfolio’s value with a high
proportion of investments that are considered low risk, like cash or bonds.
I NEED THE MONEY IN: 5-7 YEARS
Taking on more risk may be appropriate since your portfolio will have a few
years to recover from a loss.
A moderate approach seeks to achieve growth with modest risk by adding more
stocks to the mix. Stocks may deliver higher returns but also carry the risk of
greater losses.
I NEED THE MONEY IN: 7+ YEARS
High risk/high reward may be appropriate because you have plenty of time to try
to recover from losses or setbacks.
An aggressive strategy is weighted towards riskier investments with the goal of
achieving stronger growth.
THE KEY TO CHOOSING HOW CONSERVATIVE OR AGGRESSIVE YOU SHOULD BE IS TO GAUGE
YOUR RISK TOLERANCE, NEXT UP...
UNDERSTANDING YOUR RISK TOLERANCE
This tool illustrates the tradeoff between risk and reward that lies at the
heart of investing.
Pay close attention to the "Worst 12 months" figure in the lower right. Would
you be comfortable if your investments lost that much in a year? Would you
change your investments or stay the course?
Select your investment style:
Conservative Conservative Growth Moderate Growth Growth Aggressive Growth
Created with Highstock 4.2.5ModerateGrowth
Asset Class
Allocation
Large Cap Blend
25%
Large Cap Value
4%
Small-Mid Cap Blend
10%
International Equity
21%
Fixed Income
39%
Cash
1%
Moderate Growth
The primary objective of this portfolio is moderate long-term growth of capital,
with current income as a secondary objective. The portfolio is constructed with
equity and fixed income investment vehicles seeking to provide diversified
opportunities for moderate capital appreciation and income generation.
Historical 20 year returns
Best 12 months (2002-2021)
+37.01%
Worst 12 months (2002-2021)
-27.62%
Average 12 months (2002-2021)
+7.44%
View assumptions
close
INTRODUCTION
This is an educational tool. As it provides only a rough assessment of a
hypothetical asset allocation, it should not be relied upon, nor form the
primary basis for your investment, financial, tax-planning or retirement
decisions. This analysis is not a replacement for a comprehensive financial
plan.
IMPORTANT: The results or other information generated by this tool are
hypothetical in nature, do not reflect actual investment results, and are not
guarantees of future results.
Your personal and financial situation, the macroeconomic environment, and
federal and state tax laws will certainly change over time. Please note that
this tool is not a substitute for a comprehensive financial plan, and should not
be relied upon as your sole or primary means for making retirement planning or
asset allocation decisions. Strategies that may be appropriate at one stage of
life or point in time can become inappropriate in the future. Changing needs and
circumstances, including changes to the economy and securities markets in
general, make it prudent to determine whether your asset allocation should be
updated. You should discuss your situation with your financial planner, tax
advisor, or an estate planning professional before acting on the information you
receive from this tool, and to identify specific issues not addressed by this
tool.
The tool does not take into consideration all asset classes. For example, asset
classes such as real estate, precious metals, and currencies are excluded from
consideration. Asset classes not considered may have characteristics similar or
superior to those being analyzed.
In addition, portfolio returns assume the reinvestment of interest and
dividends, no transaction costs, no management or servicing fees, and the
portfolios are assumed to be rebalanced annually at each calendar year end.
Performance returns for actual investments generally will be reduced by fees or
expenses not reflected in these hypothetical illustrations.
SAMPLE ASSET ALLOCATION RESULTS
Results are based on the investing style entered in the tool, even if you have
implemented a different investing style for your existing brokerage or
retirement accounts. The default investing style in the tool is initially set to
Moderate Growth. If in the drop-down menu you select a more aggressive or more
conservative than the default investing style, the chart and asset allocation
shown will update accordingly.
The investing styles in the tool consist of predetermined asset allocations.
Asset allocation refers to the process of distributing assets in a portfolio
among different asset classes such as stocks, bonds, and cash. The purpose of
asset allocation is to reduce risk by diversifying a portfolio. The ideal asset
allocation differs based on the risk tolerance and time horizon of the
individual investor. The tool uses model asset allocation portfolios that are
comprised of the following high-level asset classes in the following
proportions:
Conservative Large Cap Blend 10% Large Cap Value 0% Small-Mid Cap Blend 3%
International 7% Fixed Income 79% Cash 1% Conservative Growth Large Cap Blend
17% Large Cap Value 3% Small-Mid Cap Blend 6% International 14% Fixed Income 59%
Cash 1% Moderate Growth Large Cap Blend 25% Large Cap Value 4% Small-Mid Cap
Blend 10% International 21% Fixed Income 39% Cash 1% Growth Large Cap Blend 35%
Large Cap Value 5% Small-Mid Cap Blend 12% International 28% Fixed Income 19%
Cash 1% Aggressive Growth Large Cap Blend 41% Large Cap Value 7% Small-Mid Cap
Blend 16% International 35% Fixed Income 0% Cash 1%
Conservative Conservative Growth Moderate Growth Growth Aggressive Growth
Large Cap Blend 10% 17% 25% 35% 41% Large Cap Value 0% 3% 4% 5% 7% Small-Mid Cap
Blend 3% 6% 10% 12% 16% International Equity 7% 14% 21% 28% 35% Fixed Income 79%
59% 39% 19% 0% Cash 1% 1% 1% 1% 1%
Other than "cash," it is not possible to invest generically in any of the above
asset classes. All assumed rates of return include reinvestment of dividends and
interest income. Other investments not considered may have characteristics
similar or superior to the asset classes identified above.
The historical rates of return for each sub-divided asset class used in this
tool are below and represent dates from 1/1/2002-12/31/2021:
Portfolio Allocation Best 12 months Aggressive Growth 58.88% Growth 47.50%
Moderate Growth 37.01% Conservative Growth 27.08% Conservative 17.86%
Portfolio Allocation Worst 12
months Aggressive Growth -45.81% Growth -37.05% Moderate Growth -27.62%
Conservative Growth -17.98% Conservative -8.28%
Portfolio Allocation Average 12
months Aggressive Growth 8.71% Growth 8.19% Moderate Growth 7.44% Conservative
Growth 6.53% Conservative 5.50%
Model Average 1 Year Return (Annualized)
1/1/2002 – 12/31/2021 Best 12 Months Worst 12 Months Conservative 5.50 17.86
-8.28 Conservative Growth 6.53 27.08 -17.98 Moderate Growth 7.44 37.01 -27.62
Growth 8.19 47.50 -37.05 Aggressive Growth 8.71 58.88 -45.81
The Best and Worst 12 months is calculated from rolling 12-month returns over
the above mentioned 20-year time period. The Average 12 Months is calculated as
annualized returns over that same 20-year time period. The returns shown above
are hypothetical and for illustrative purposes only. They do not represent
performance of the above asset allocation strategies or actual accounts. The
information is intended to show the effects on risk and returns of different
asset allocations over time based on hypothetical combinations of the benchmark
indexes that correspond to the relevant asset class. Hypothetical results have
many inherent limitations and no representation is made that any account will or
is likely to have returns similar to those shown above. The asset allocation,
indexes, and methodology utilized are broad and simplified, and intended solely
for the purpose of providing an overview demonstration.
The historical returns are calculated as the weighted average of the target
model weights and the market index returns that represent each asset class.
Displayed returns include reinvestment of dividends, and are rebalanced
annually. The indexes representing each asset class are: S&P 500® Index (for
Large Cap Blend Equity); Russell 1000 Value (for Large Cap Value Equity)
Russell 2000 Index (for Small-Mid Cap Blend Equity); MSCI All Country World ex
U.S. Index (for International Equity); Barclays U.S. Aggregate Bond Index (for
Fixed Income); and Citi Treasury Bill 3-Month Index (for Cash). Due to the
limitation of other indexes, which were excluded from this illustration due to
their shorter time periods, the allocation represented may be more general than
an actual recommended allocation (for example, it may exclude particular styles
and subsets within equity and fixed income). Indexes are unmanaged, do not incur
fees or expenses, and cannot be invested in directly. Actual future returns in
any given year can and probably will be significantly different from the
historical averages shown.
Past performance is no indication of future results.
Close Assumptions
This is what investment advisers mean by risk tolerance: it's about how much
risk is appropriate and comfortable for you. Keep in mind, your risk tolerance
will likely change over time as your age, life circumstances, and financial
situation change.
ARE YOU A DO-IT-YOURSELFER? WANT SOME HELP?
No problem, we've got the accounts, tools, and help you need to invest on your
terms.
A STANDARD ACCOUNT
With a standard brokerage or retirement account you make all the investment
decisions and execute all the trades. You pay no commissions, so your overall
cost of investing will typically be the lowest.
No minimums to get started.
Learn more arrow_forward
PREBUILT PORTFOLIOS
Select your risk tolerance and easily invest in diversified, professionally
selected portfolios of mutual funds or exchange-traded funds (ETFs). And you pay
no trading commissions.
Get started with as little as $500 (mutual funds) or $2,500 (ETFs).
Learn more arrow_forward
AUTOMATED INVESTMENT MANAGEMENT
Core Portfolios uses advanced digital technology to build and manage your
portfolio, based on your timeline and risk tolerance. It's a simple, low-cost
way to get professional portfolio management.
You can open an account with as little as $500, or choose from other
professionally managed portfolios.
Learn more arrow_forward
WHERE CAN I FIND EVEN MORE INVESTING IDEAS?
Potential opportunities can be found almost anywhere. These easily accessible
sources give new investors
a variety of different ways to find ideas.
RESEARCH
Compare and analyze companies and individual investments with fundamental stock
research, technical research, bond research, and mutual fund and ETF research.
MARKET NEWS
Find opportunities by looking for market trends and market movers—stocks with a
lot of trading activity—or check out market commentary from E*TRADE's own
analysts and major news sources.
Learn more arrow_forward
SCREENERS
These tools let you zero in on specific stocks (logon required), bonds (logon
required), ETFs, and mutual funds out of the thousands available. You choose the
criteria you're looking for and the screeners show you the investments that
match.
THEMATIC INVESTING
Another approach is to align your investments with your values or with economic
and social trends. These are called themes, and we've highlighted specific
investments for a range of different ones.
Learn more arrow_forward
HOW DO I PLACE A STOCK TRADE?
1. Locate the ticker symbol
Enter a company name and get the ticker symbol
2. Check the price
Once you've found the ticker symbol of the company you're interested in, check
the price and gauge the historical graph for volatility or growth.
3. Select order type
From the drop-down, choose Buy.
4. Execute
Select Preview to review your order and place your trade.
Learn more
GET UP TO $600 OR MORE (PLUS $0 COMMISSIONS)1 LEARN HOW
For a limited time, receive a cash bonus when you open a new E*TRADE brokerage
or retirement account with a qualifying deposit by October 31, 2022.
Use promo code: BONUS22
Open an account
LOOKING TO EXPAND YOUR FINANCIAL KNOWLEDGE?
Explore our library arrow_forward
SPECIAL EVENT: INTRO TO INVESTING WORKSHOP
OCTOBER 26, 2022
11 A.M. - 5 P.M. ET
Demystify investing and boost your knowledge in our 6-webinar Intro to Investing
Workshop.
Register now arrow_forward
Small slices, called “shares,” of ownership in a corporation. If you own a share
of a corporation’s stock, you own a fraction of that company.
A form of loan. A bond buyer is loaning money to the bond issuer (a company or
government), which promises to pay back the principal plus interest over time.
The degree of uncertainty or potential for losing money in a particular
investment.
The process of spreading an investor's funds among different types of
investments, such as stocks or bonds, to achieve the lowest risk for the desired
rate of return.
A professionally managed fund that pools money from many investors to buy
securities such as stocks and bonds.
Also known as “ETF,” a professionally managed fund that pools money from many
investors to buy securities such as stocks and bonds. Bought and sold on an
exchange, like stocks.
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CHECK THE BACKGROUND OF E*TRADE SECURITIES LLC ON FINRA'S BROKERCHECK SEE
E*TRADE SECURITIES LLC AND E*TRADE CAPITAL MANAGEMENT, LLC RELATIONSHIP SUMMARY.
Investment Products • Not FDIC Insured • No Bank Guarantee • May Lose Value
PLEASE READ THE IMPORTANT DISCLOSURES BELOW.
BANKING PRODUCTS AND SERVICES ARE PROVIDED BY MORGAN STANLEY PRIVATE BANK,
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The fund's prospectus contains its investment objectives, risks, charges,
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carefully before investing. For a current prospectus, visit
www.etrade.com/mutualfunds or visit the Exchange-Traded Funds Center at
www.etrade.com/etf.
Prebuilt Portfolios are an educational tool and should not be relied upon as the
primary basis for investment, financial, tax-planning, or retirement decisions.
This tool provides a sample of possible ETF or mutual fund portfolios based on
varying degrees of market risk. These portfolios are not tailored to the
investment objectives of a specific investor. This educational information
neither is, nor should be construed as, investment advice, financial guidance or
an offer or a solicitation or recommendation to buy, sell, or hold any security,
or to engage in any specific investment strategy by E*TRADE. These prebuilt
portfolios may change at any time and E*TRADE will not notify you when such
changes are made.
This Thematic Investing screener is an educational tool and should not be relied
upon as the primary basis for investment, financial, tax-planning, or retirement
decisions. This tool provides a sample of exchange-traded funds (“ETFs”) that
may be of interest to investors and is provided to customers as a resource to
learn more about different categories of ETFs and the use of screeners. This
educational information neither is, nor should be construed as, investment
advice, financial guidance, or an offer or a solicitation or recommendation to
buy, sell, or hold any security, or to engage in any specific investment
strategy. Additional ETFs available through E*TRADE Securities LLC (“ETS”) may
be found by using the ETF screener at
https://www.etrade.wallst.com/Research/Screener/ETF/.
The themes included in this section are categories that may be of interest to
investors. ETS will review potential themes regularly to determine if there are
new topics that may be of interest in light of industry trends, cultural
changes, and technological developments and update the themes presented.
Investors may learn about additional categories of ETFs by using the ETF
screener linked above.
How ETFs are selected for a theme:
ETS selects ETFs for a theme based on the following criteria: ETFs that satisfy
a theme that also appear on the All-Star List are included as well as the top 3
performing ETFs satisfying the theme. At least 2 and no more than 300 ETFs are
shown per theme. An ETF satisfies a theme if it appears in an ETF screener
search using keywords in the fund name, fund category, or industry exposure for
the theme. Exchange-traded notes and leveraged and inverse ETFs are excluded. To
see the search and the entirety of the results of a screen for a theme, click on
“Launch Screener” above the list of ETFs shown.
Prior to investing in a managed portfolio, E*TRADE Capital Management will
obtain important information about your financial situation and risk tolerances
and provide you with a detailed investment proposal, investment advisory
agreement, and wrap fee programs brochure. These documents contain important
information that should be read carefully before enrolling in a managed account
program. Please read the E*TRADE Wrap Fee Programs Brochure for more information
on the advisory fee, rebalancing methodologies, portfolio management,
affiliations, and services offered.
The material provided by E*TRADE Securities LLC, E*TRADE Capital Management,
LLC, Morgan Stanley or any of their direct or indirect subsidiaries, or by a
third party not affiliated with E*TRADE is for educational purposes only and is
not an individualized recommendation. This information neither is, nor should be
construed as, an offer or a solicitation of an offer, or a recommendation, to
buy, sell, or hold any security, financial product, or instrument discussed
herein, or to open a particular account or to engage in any specific investment
strategy.
Diversification and asset allocation strategies do not ensure profit or protect
against loss in declining markets. Investors should assess their own investment
needs based on their own financial circumstances and investment objectives.
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Offer valid for new E*TRADE Securities customers opening one new eligible
retirement or brokerage account by 10/31/2022 and funded within 60 days of
account opening with $5,000 or more. Promo code 'BONUS22'.
New customer opening one account: These rules strictly apply to customers
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Cash credits will be granted based on deposits of new funds or securities
from external accounts made within 60 days of account opening, as follows:
$5,000-$19,999 will receive $50; $20,000-$49,999 will receive $100;
$50,000-$99,999 will receive $200; $100,000-$199,999 will receive $300;
$200,000-$499,999 will receive $600; $500,000-$999,999 will receive $1,200;
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$3,500.
Reward tiers under $200,000 ($5,000-$19,999; $20,000-$49,999;
$50,000-$99,999; $100-000-$199,999) will be paid within seven business days
following the expiration of the 60 day period. However, if you deposit
$200,000 or more, you will receive a cash credit within seven business days,
followed by any additional reward based on your fulfillment tier at the
expiration of the 60 day period. If you have deposited at least $200,000 in
the new account, and you make subsequent deposits in that account to reach a
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cash credit of $600 within seven business days, then if you deposit an
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or more in your new account, you will receive two cash credits that will
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account where the deposit is made.
Existing customers or new customers opening more than one account are
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valued as of the closing price of the securities at market on the business
day the deposit is received as reflected in transaction history. Removing
any deposit or cash during the promotion period (60 days) may result in
lower reward amount or loss of reward. Any assets transferred from Morgan
Stanley accounts to E*TRADE are not considered to be from accounts outside
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pension plans and investment only noncustodial retirement plans, Beneficiary
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Roth IRA Trust), E*TRADE Capital Management, E*TRADE Futures, and Morgan
Stanley Private Bank, National Association accounts. Excludes non-U.S.
residents, and residents of any jurisdiction where this offer is not valid.
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Consolidation is not right for everyone, so you should carefully consider
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plan account through a new employer (if one is available and rollovers are
permitted), or roll them over to an IRA, an investor should consider all his
or her options and the various factors including, but not limited to, the
differences in investment options, fees and expenses, services, the
exceptions to the early withdrawal penalties, protection from creditors and
legal judgments, required minimum distributions, the tax treatment of
employer stock (if held in the qualified retirement plan account), and the
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This offer neither is, nor should be construed as a recommendation or
solicitation to buy, sell, or hold any security, financial product or
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