Make a top-level asset allocation of 40% to short term, high quality bonds the balance to a diversified global equity portfolio of perhaps 10 to 12 asset classes.

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Some providers offer a single, one-size-fits-all or model portfolio, while others offer some customization at the asset allocation level, implemented through a series of proprietary funds-of-funds or feeder funds.

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Note that, in warning against excessive concentrations or common exposures across the banking system, regulators need not make a judgment about whether a particular asset class is mispriced--although rapid changes in asset prices or risk premiums may increase the level of concern.

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"We are very disappointed in the pre-announced results and the about-face by management with respect to its comfort level with asset marks and its capital position, " noted David Trone, an analyst at Fox-Pitt Kelton.

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Those close to Romney say that's exactly the type of scrappy, quick-witted response in defense of his boss that makes Fehrnstrom, a top-level adviser, such an asset to the campaign.

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On an asset level they can set, then re-set as they please.

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Mr Gilbert said the level of fixed-income business that had left Aberdeen Asset Management had "slowed significantly" and the company continued to be successful in attracting new investment to global equity and emerging market equity funds.

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The second asset is that the unions operate on every level of politics, right down to local school-board races.

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Is it structured to fend off the asset-eroding potential of triggers such as so-called Black Swan events, Black Monday-level market implosions, interest and inflation rate swings, war or an oil supply disruption?

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