FRESNO, Calif. (KFSN) — You don’t have to be the Wolf of Wall Street to get a return on investment.<\/p>\n
“The fundamental building blocks are stocks and bonds,” says AJ Flores, Lead Financial Advisor with Portfolio Advisors in northwest Fresno.<\/p>\n
Flores says when building your portfolio, find a balance that you’re comfortable with.<\/p>\n
“We see stocks as being the driver for growth, but you carry a little bit more risk,” he said. “Bonds are a little bit more stable, not risk-free, but allow you to have a little more control over volatility in your portfolio.”<\/p>\n
There are also mutual funds and ETF’s to consider.<\/p>\n
“You purchase a mutual fund so that you have exposure to all of these individual companies without having to buy each one individually,” Flores said.<\/p>\n
Flores says, similar to mutual funds, ETFs act as a basket of securities, including stocks, bonds and commodities.<\/p>\n
“ETFs provide a little more flexibility,” he said. “They are generally cheaper to purchase. Typically, they don’t come with transaction costs.”<\/p>\n
With various digital platforms offering real-time data, the stock market is at our fingertips, but Flores says that if you’re building a long-term portfolio, keeping hourly or daily tabs on your stocks could be more harmful than helpful, especially amid market volatility.<\/p>\n
“I think if you can avoid the emotional decision-making that comes with keeping an eye on it, then you can look at it a little more frequently,” he said.<\/p>\n
Before diving into the market, Flores says it’s important to set your financial goals and assess how much you’re comfortable risking.<\/p>\n
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