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4 Tips to Build a Successful Portfolio

* Know your goals. Consider how much money you’ll need for your children’s education or your retirement. Whatever your vision for the future might be, set your goals and develop a concrete plan for meeting them.

* Define your investment time horizon. If you’re not planning on retiring anytime soon, you might want to have a portfolio that includes more long-term investments. If retirement is just around the corner, consider a more conservative approach.

* Determine your risk tolerance. Figure out your risk comfort level and compare that with what you can afford. In general, the longer you have to invest, the bigger risk you can take.

* Consult a professional. In order to avoid financial pitfalls later on, it is often wise to seek professional guidance when putting together a portfolio.

"Recent research shows that investors continue to grapple with some of the most basic investment concepts, suggesting a greater need for financial advice and guidance, " said Doug Lockwood, a certified financial planner.

To help investors meet their financial goals, American Century Investments has developed On Plan Investing, a program designed to help investors build and maintain diversified investment portfolios - at no additional cost.

Combining educational tools, advice, market insight and investment products, On Plan Investing helps investors develop a personal investment strategy, whether they are new to investing, seeking guidance but still want control over their investment mix, need help positioning their portfolios with a long-term perspective or need help understanding how the markets work.

Shelf Life Of overhand Creams


Shelf life of overhand cosmetics is one in all the most queries if you finally set to form your own natural cream. however long will or not it’s keep containing preservatives or while not them? Let’s build it clear. so as to prolong the period of time of creams the subsequent ingredients area unit added:

antioxidants (vitamin E, rosemary essence) for defense of oils from rancidity;
natural preservatives (essential oils, Monarda, propolis, etc.) area unit employed in order to scale back the dose of normal preservatives;
ordinary preservatives - proprietary mixtures or official names of producing firms that area unit meant for defense of your cream from microorganism, mildew and germs.
Handmade cosmetics while not preservatives

If you’re creating a cosmetic product with none preservatives then it may be keep in refrigerator for a few week. it’s terribly convenient to form tiny parts of cream that you employ typically or if you only need to check it.

Handmade cosmetics with natural preservatives

Natural preservatives area unit acquainted to everybody. Despite the actual fact that these substances don’t seem to be thought-about to be preservatives, they will prolong the period of time of creams. It happens as a result of they need AN medicament result. Essential oils {that will|which will|that may} conjointly consult with natural preservatives can solely bog down the method of proliferation of microorganism. that’s why such cosmetics may be keep not than one week within the refrigerator. it’s going to be keep longer however we will not experiment on our skin to prove this suggestion.

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