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A Convincing Argument, Part 2

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Vocabulaire

Portfolio Diversification Darryl Vautin: I'd like to discuss the balance of investments within your current
Choix multiple portfolio. If I recall your intentions correctly, you're looking at long-term
investments with an eye on your retirement.
Remplissez les blancs Mr. Lewis: That's right. I realize I still have twenty-five working years ahead of
me, but I believe it's never too soon to start planning for tomorrow.
Remplissez les blancs
Darryl Vautin: Absolutely. That's a valid point you've made, and it's precisely
because of your farsightedness that I think we need to reevaluate the
Organiser distribution of your portfolio. I think it might be a bit too conservative, given
your age.
Prononciation Mr. Lewis: What do you mean, "given my age"?

Darryl Vautin: Well, since you're young, you have plenty of time and can afford
Explication
to take a few more risks.

Mr. Lewis: Oh. What do you think I should do?

Remplissez les blancs
Darryl Vautin: I strongly recommend you diversify your assets by shifting
capital to a more wide-ranging, aggressive portfolio based on stocks and
Saisissez la réponse
mutual funds. It would considerably increase growth across the board.

Vocabulaire Mr. Lewis: No thanks. I'm not comfortable putting my money in the stock
market. I've done my research and I'd much rather keep it where it is: in
securities, savings accounts, IRAs and 401(k)s.
Remplissez les blancs
Darryl Vautin: I understand your concern, but you want your investments to
outpace inflation, don't you? If inflation were to rise higher than your interest
Organiser
rates, your investments wouldn't be able to break even. Since we're looking at
the long term, it would be best if you divided your portfolio among mutual
Prononciation
funds that exclusively invest in large-company value stocks. I'd even
recommend investing 5% in emerging markets, although I understand that you
Correspondances might be reluctant to do so. Not only would this guarantee a certain amount of
diversity in your portfolio, but it would also ensure the stable growth of the
Récapitulatif de la leçon portfolio as a whole.

Mr. Lewis: But aren't stocks riskier investments?

Darryl Vautin: Of course they are...to a certain extent. But I'm sure you realize
that unless you're looking at quarterly performance, short-term volatility
doesn't matter. When you assess stock performance over a ten-year period,
stocks more than absorb short-term fluctuations and will almost always
outperform less volatile options.

Mr. Lewis: Stocks are out of the question. I'm satisfied with my current
portfolio, even if it's not performing to its full potential. I've picked sound
investments that will give me a reasonable return over the long run.

Darryl Vautin: I agree that you have a solid base, which is exactly why I think
you should branch out into higher-performing funds. Of course we could leave
your portfolio as is, but it would mean less money for your retirement. You
want to make sure you have enough put aside to be worry-free during your
retirement years, right?

Mr. Lewis: Well, yes...

Darryl Vautin: Then you simply can't afford to miss out on the growth that
mutual funds offer. Please, just have a look at these charts. The mutual fund
that I'm recommending was established nearly thirty years ago and shows an
annual average growth of 6.7% over that period. Performance over the past ten
years has even averaged at just over 8%. It's by far the most reliable fund on
the market, with relatively low volatility and stable growth. It will pay off in the
long run, thanks to a sound investment in blue-chip companies. There's
absolutely no reason to pass up this opportunity.

Mr. Lewis: Well...you sound so certain. Still, there will be fees, I'm sure, and the
cost of buying expensive stocks to factor in...

Darryl Vautin: Let me put it into perspective for you. The one-time fee for
purchasing new stock is 5% which, viewed over ten years, is negligible if the
mutual fund is performing at an average of 8% per year. Rarely does a portfolio
solely concentrated in retirement accounts and savings bonds perform this
well.

Mr. Lewis: That's true...

Darryl Vautin: If I were you, I'd seriously consider it. Plus, the whole process is
incredibly simple; you can even do it on our website from the comfort of your
own home. Why don't I give you a quick demonstration to show you just how
painless it is?

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