Module VIII·Article III·~1 min read
Asset allocation
Portfolio Management
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Asset allocation
Strategic asset allocation — long-term allocation (5-10 years)
Tactical asset allocation — short-term shifts based on signals (weeks–months)
Dynamic asset allocation — constant adjustment depending on conditions
Core-satellite allocation — large core (index) + speculative positions
Geographic diversification — stocks of different countries (reduces political risk)
Sector diversification — stocks from different sectors (technology, energy, finance, etc.)
Factor diversification — access to factors (value, momentum, quality, size)
Alternative asset allocation — inclusion of alternatives (PE, hedge, real estate)
Risk-based allocation — allocation according to the risk level of each asset (not by money)
Goals-based allocation — allocation according to goals (education, retirement, inheritance)
Life-cycle funds / Target-date funds — automatically shift from risky to conservative with age
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