AQS Insights & Guides
Ideas to Help You Think Differently About Your Money
Practical perspectives on growth investing, retirement assets and financial transitions. Written to help you make better-informed decisions, not overwhelm you with financial jargon.Guides by Vic Verma, Chief Investment Officer, AQS Management.
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Growth & Active Investing
For investors asking whether part of their portfolio could have a more ambitious objective.Featured insight
Should Every Part of Your Portfolio Have the Same Investment Objective?
How different parts of a portfolio can serve different goals, and why both risk capacity and risk tolerance matter.Read Article →Multiple managers
Can I Keep My Financial Advisor and Hire Another Investment Manager?
When a separate investment manager can work alongside your advisor, and how to avoid overlapping investments, unclear roles and extra complexity.Read Article →Large IRAs
Should Part of a Large IRA Be Invested More Aggressively?
How retirement needs, time horizon, other assets and risk capacity can shape a growth allocation within a large IRA.Read Article →401(k) rollovers
You Rolled a Large 401(k) Into an IRA. Now How Should You Invest It?
After a rollover, decide how the IRA should support income, near-term needs and long-term growth before choosing investments.Read Article →Risk & allocation
How Much of Your Portfolio Should Be in Higher-Risk Investments?
Stress-test a higher-risk allocation by estimating its effect on the whole portfolio, then consider your goals and tolerance for losses.Read Article →Active investing
Why Can an IRA Be a Good Place for Active Investment Strategies?
Why frequent trading can make account location important, and how IRA tax treatment differs from a taxable account.Read Article →Growth sleeve
What Is a Growth Sleeve and Who Is It For?
What a growth sleeve is, how to think about its size, and who may or may not be suited to the additional risk.Read Article →Women & Wealth Transitions
Prepare before life changes. Find clarity after it does.
This section is organized around the moments when financial responsibility changes hands — and the decisions that come before and after.Start here · Cornerstone guide
A Major Wealth Shift Is Coming. Here’s Why Many Women Are Not Ready for It
Why receiving wealth and being prepared to manage it are different, and how families can prepare before responsibility changes hands.Read Article →Before a financial transition
What Your Spouse Needs to Know About the Family’s Finances
The accounts, beneficiaries, documents, secure access arrangements and financial professionals both spouses should understand before life changes.Read Article →After money arrives · First 90 days
What to Do in the First 90 Days After Receiving an Inheritance, a Windfall, or Divorce Proceeds
Pause, understand the assets and tax questions, separate near-term needs from long-term money, and build a plan before investing.Read Article →Inheritance
You Inherited Money. What Should You Do First?
Understand inherited cash, stocks and IRAs, avoid an indefinite pause, and decide how the assets fit your own financial life.Read Article →Loss of a spouse
What Financial Decisions Can Wait After Losing a Spouse?
Distinguish bills, account access and real deadlines from major investment and lifestyle decisions that can wait.Read Article →After divorce
Your Divorce Is Final. Now How Should You Invest?
Review your new expenses, income and settlement assets, then build an investment portfolio around your life after divorce.Read Article →Explore more
More Insights & Guides
Perspectives on bonds, diversification and thoughtful investment decisions.More Insights & Guides
What Really Moves Bond Prices? It's More Than Just the Fed
Interest rates matter, but inflation, credit risk, supply and demand can also move bond prices. Here is what investors should understand.
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Rethinking Diversification: What Role Should Fixed Income Play in a Portfolio?
Diversification is not simply owning more investments. Fixed income can play different roles depending on your need for growth, income and stability.
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Tax-Loss Harvesting: What Investors Should Know Before Year-End
Selling an investment at a loss can sometimes reduce a tax bill, but wash-sale rules and portfolio considerations matter.
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