DURATION & CONDITIONS for IMMUNIZATION:

The Case for Asset Allocation

Michael Ahrens

Financial Advisor

Morgan Stanley

This can be a very confusing time in the world, especially when it comes to investing. And no wonder, with so many different sources in the media telling us where to put our hard earned money. So much, we don’t know where to turn first.

Human nature causes us, even in the face of overwhelming logic and history, to see the short-term problems, causing us not to stay the course. This one feature has caused more people to miss out on opportunities and not take advantage of the long-term benefits of investing.

No one can predict short-term news events or, for that matter, short term moves in the market. No one can even predict long-term interest rates, not even Alan Greenspan.

We believe there are four basic principles of investing. If followed, you can improve chances to keep the money you have invested while reducing the amount of volatility in your portfolio. How it all fits together is what we will be discussing. Questions about the market and investing will be answered.