Investing 101

Presented by: Dan Federman, CFP®

CERTIFIED FINANCIAL PLANNER™ professional1-800-808-7488 X101

dfederman@aribaasset.com

Start Early

How Taxes and Inflation Affect You

Investments that beat inflation: Stocks

Investments That Beat Inflation: REITs

REITs = Income ProducingReal Estate

Investments That Beat Inflation: MLPs

MLP = MasterLimited Partnership(oil & gas pipelines)

Focus on the Long-Term

Month to month: highly unpredictable

15-year periods: less likely to experience negative returns

Portfolio Risk and Return

Low risk/low return

High risk/high return

Portfolio Optimization

Benefits of diversification

Roller Coasters vs. Merry-Go-Rounds

Sample Diversified Portfolio

Investing is not a horse race. It is a game of horseshoes.“I’d rather be approximately right than precisely wrong.”

Buy Low, Sell High

Lessons:1. Focus on the long-term. 2. Diversify. 3. Rebalance

Thank you for attending!

For a complimentary portfolio review contact:

Dan Federman, CFP®CERTIFIED FINANCIAL PLANNER™ professional

1-800-808-7488 X101dfederman@aribaasset.com