5 smart-money tips on low savings rates

Invest in the 'all-weather portfolio'
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Investment portfolio

Savers who have a time horizon that's longer than a few years can consider an investment portfolio that includes a mix of stocks, bonds, market hedges and precious metals, and that's designed to earn a "decent total return" if not a fabulous amount of money, Nager says. This approach is not without risk.

"In January, I tried to figure out what we were going to do for (our clients) this year. I said, 'I could lay out a great bullish case and a great bearish case,' and we absolutely didn't know which one it would be. ... The price of being wrong is extremely high, and both paths looked very plausible," Nager says. "That's why I went to what we call an all-weather portfolio."




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