Author - Daniel Joss MBA, CFP®, RLP®

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Should You Use a Safe Deposit Box?
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An Example of How Rebalancing Can Boost Your Investment Performance

Should You Use a Safe Deposit Box?

We recommend that our clients have a safe depos­it box at a local bank. Safe deposit boxes provide a secure container for your important items; rarely worn jewelry, documents, etc… These important items will not be stolen, burned, lost or otherwise misplaced. And, if your items are not lost in the first place, you will not needlessly spend time and money and incur great aggravation trying to get them replaced. Can you imagine trying to replace a birth certificate or marriage license at the last minute? We wish that on no one.

If you choose not to take our advice …

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An Example of How Rebalancing Can Boost Your Investment Performance

We’ve all heard it; buy low, sell high.  It is the best way to make money in the markets.  That is, if you can do it.  The rebalancing discipline we use forces us to buy low and sell high, and by doing so, provides us the opportunity to benefit in two ways.  By periodically rebalancing your portfolio we reduce the risk of your portfolio and increase the returns of your portfolio over the long run.

The markets in 2008 and 2009 provide me with a great opportunity to illustrate.  I’ll use an example of a portfolio that is 50% bonds …

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