Viraj Desai, CFA, CAIA is a Director at Charles Schwab Investment Management (CSIM). He contributes to the asset allocation and manager selection of the firm’s Selective Portfolios. Before joining CSIM, Desai was a member of BlackRock’s Outsourced CIO investment team, where he designed and managed outcome-oriented multi-asset solutions for BlackRock’s largest global institutional clients. Desai earned his undergraduate degree in economics from New York University and his MBA from The Gabelli School of Business at Fordham University. He is a member of the CFA Institute, CFA Society New York, and the CAIA Association and maintains the FINRA Series 65 license.
After a market drop, some investors might move their money to wait it out. Find out why staying invested may be a better approach than stock market timing.
Consider a three-tiered pyramid approach to creating goals for your needs, wants, and wishes.
Are you a shareholder and want to have some say in a company’s decisions? Vote your proxy.
As the 2020 presidential election looms, investors might be concerned about volatility and potential policy shifts. Should you change your investment strategy? The answer may have more to do with your goals, objectives, and time horizon than your political views.
Index funds, mutual funds, exchange-traded funds (ETFs). Actively managed funds versus passive management. What do all these terms mean? Here’s a breakdown for investors.
All investments experience market volatility, which is why retirement portfolio strategies should focus on allocating assets across investments of different risk levels.
Financial literacy can be most effective when it starts early. Parents who know how to budget, save, and practice good financial habits should pass those habits down to their children. Here are some financial advice tips to consider.
In these times of stock market volatility, many investors are looking for yield in fixed income and dividend stocks. However, there’s risk in these investments, too, so know what you’re getting into.
Investing can involve volatility both in the markets and within your portfolio. In the long term, portfolios with more diversification can potentially overcome these short term losses.
When your broker or financial advisor recommends that you read an investment or fund prospectus, it’s for a good reason. A prospectus can offer clues to help you assess an investment’s risks.
Do Not Sell or Share My Personal Information
Content intended for educational/informational purposes only. Not investment advice, or a recommendation of any security, strategy, or account type.
Be sure to understand all risks involved with each strategy, including commission costs, before attempting to place any trade. Clients must consider all relevant risk factors, including their own personal financial situations, before trading.
Market volatility, volume, and system availability may delay account access and trade executions.
Past performance of a security or strategy does not guarantee future results or success.
Options are not suitable for all investors as the special risks inherent to options trading may expose investors to potentially rapid and substantial losses. Options trading subject to TD Ameritrade review and approval. Please read Characteristics and Risks of Standardized Options before investing in options.
Supporting documentation for any claims, comparisons, statistics, or other technical data will be supplied upon request.
This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.
TD Ameritrade, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. © 2024 Charles Schwab & Co. Inc. All rights reserved.