As we discuss how to rebalance to your ideal portfolio allocation for 2020, remember that the most crucial characteristic of your portfolio — the factor that influences the performance of your portfolio more than any other — is the way you divide your money between asset classes.

An “asset class” is a broad category of investments that tend to have similar risk characteristics and respond similarly to market forces. The most common classes are stocks, bonds, real estate, commodities, and cash equivalents.

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