{"id":14232,"date":"2021-04-24T14:36:57","date_gmt":"2021-04-24T18:36:57","guid":{"rendered":"http:\/\/privacyfight.io\/?p=14232"},"modified":"2023-06-23T16:55:19","modified_gmt":"2023-06-23T20:55:19","slug":"u19-asset-allocation-plan-i","status":"publish","type":"post","link":"https:\/\/privacyfight.io\/u19-asset-allocation-plan-i\/","title":{"rendered":"U19 &#8211; Asset Allocation Plan I"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"14232\" class=\"elementor elementor-14232\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c422c8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c422c8f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-246b29a\" data-id=\"246b29a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0eada9d elementor-widget elementor-widget-text-editor\" data-id=\"0eada9d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"vidseo_wrapper\" style=\"width: 100%;\">\r\n\r\n    \r\n    \r\n        <div class=\"vidseo_vimeo\">\r\n\r\n            <iframe title=\"vimeo-player\" src=\"https:\/\/player.vimeo.com\/video\/717924059\/?\" width=\"100%\" frameborder=\"0\" allowfullscreen><\/iframe>\r\n\r\n        <\/div>\r\n\r\n    \r\n    \r\n    <div class=\"vidseo_collapse\" style=\"\">\r\n        <div class=\"vidseo_btn\" style=\"\">\r\n            U19 \u2013 Asset Allocation Plan I\r\n0:03\r\nHi, everybody.\r\n0:06\r\nToday, I\u2019m going to talk about an asset allocation plan.\r\n0:08\r\nI answer this question quite a bit, but I\u2019m gonna give you just a very narrow answer because I can give you a thousand of these and really, I like to suggest an asset allo&#8230;        <\/div>\r\n        <div class=\"vidseo_collapse_content\" style=\"\">\r\n            <p>U19 \u2013 Asset Allocation Plan I<br \/>\n0:03<br \/>\nHi, everybody.<br \/>\n0:06<br \/>\nToday, I\u2019m going to talk about an asset allocation plan.<br \/>\n0:08<br \/>\nI answer this question quite a bit, but I\u2019m gonna give you just a very narrow answer because I can give you a thousand of these and really, I like to suggest an asset allocation plan based upon your age, what I know about you after having a conversation. What your interests are, what you\u2019d like to do, what you love to do what you don\u2019t want to do, things like that. What where do you want to occupy your time? How much time you want to put into something?<br \/>\n0:34<br \/>\nI think in my in my book, I mean this is this is important and considering how you want to invest your money, especially after you just received a windfall somewhere and you want to re-allocate. You want to get into something else. That\u2019s not in the first thing that you use to make money. So, I\u2019ve gotten notes everywhere, so bear with me a second.<br \/>\n0:52<br \/>\nI want to try to cover a lot of these, a lot of the topics that I discuss with people over the phone. Hopefully, it\u2019ll answer many of your questions and also give you a bit of a guide to go. Look for yourselves.<br \/>\n1:07<br \/>\nBasically, an asset allocation plan or a re allocation plan, is just answers the question of where to invest or where to re-invest after I\u2019ve already finished exhausted or completed whatever project or investment I had already been in.<br \/>\n1:21<br \/>\nSo, I always recommend two types of investments or to two classes of investments, and the first one, I recommend is real estate.<br \/>\n1:30<br \/>\nIt does not have to be real estate.<br \/>\n1:31<br \/>\nI\u2019m just saying out of the two classes or groups or kinds of assets, real estate is a good one. And I\u2019ll give you a quick example.<br \/>\n1:39<br \/>\nThe reason why I like it is because it\u2019s a very diverse you can get into residential multi-family. You can get into things like wholesaling.<br \/>\n1:46<br \/>\nYou can, you can get involved as much as you want or as little as you want.<br \/>\n1:53<br \/>\nYou can get into real, commercial, real estate. You can get into property management. You can get into notes.<br \/>\n1:59<br \/>\nDebt, financing, leases, property management.<br \/>\n2:04<br \/>\nYou can invest in agricultural land, industrial office space, all these things, OK, It\u2019s just there\u2019s such a wide range of things you can do you can get into tax lien certificates That\u2019s kinda nice.<br \/>\n2:17<br \/>\nYou know each each of those categories has Needs There\u2019s operating costs, and there\u2019s some skills and things like that. Some of you have spoken with just hate real estate for one reason or another you\u2019re tired of it, So I understand that, but real estate, It\u2019s kind of a nice way to put some money somewhere, and people need real estate, and we have a finite amount, OK? So those are two couple of basic principles as to why you\u2019d want to invest in real estate, OK?<br \/>\n2:45<br \/>\nThe second one, which is way more interesting, well, depends on how you look at it but I like joint ventures.<br \/>\n2:52<br \/>\nJoint ventures and I\u2019m not talking about a fund manager or an ETF or a broker.<br \/>\n2:58<br \/>\nI\u2019m not, I\u2019m not contacting a broker, or a 401 K, or a custodian that\u2019s going to manage my money for me.<br \/>\n3:05<br \/>\nBecause by the way, a 401 K for example, that is not an investment.<br \/>\n3:09<br \/>\nIt\u2019s not yours, OK, it\u2019s somebody else\u2019s investment, you see guys now but another class, the second class of assets I would get into when I\u2019m re-allocating would be joint ventures or you can call it. Probably private equity.<br \/>\n3:22<br \/>\nOK, buying into a business, buying into a business, you can, like I said, you can get into you can put as much time into it as you want.<br \/>\n3:31<br \/>\nUm, It may also be called a partnership, A joint venture can be a partnership.<br \/>\n3:39<br \/>\nIt can be written many ways the contract or agreement can be in many ways.<br \/>\n3:42<br \/>\nyou can you can put a lump sum of cash into a business and be a silent partner.<br \/>\n3:49<br \/>\nTo just get returns, you could also be a lender.<br \/>\n3:52<br \/>\nIt can be a co owner.<br \/>\n3:55<br \/>\nYou can get into joint ventures that involve loans, Tax deeds, and I know I I mentioned that briefly in the real estate class, but I\u2019m just saying joint ventures may also involve taks deeds.<br \/>\n4:13<br \/>\nFactoring factoring is another form of lending.<br \/>\n4:17<br \/>\nAnd, of course, leases, lease agreements.<br \/>\n4:21<br \/>\nNow, I want to mention about diversification.<br \/>\n4:25<br \/>\nDiversification does not mean spreading your money around in many different places.<br \/>\n4:31<br \/>\nHopefully, that some will work and some won\u2019t some will pay off in some. Diversification means investing in something that you know or that you\u2019re already successful in, like, for example, if you have a sandwich shop.<br \/>\n4:45<br \/>\nOK, a retail space in a strip mall, for example.<br \/>\n4:48<br \/>\nAnd you want to expand, well, maybe you want to buy your neighbor or maybe your neighbor is Chinese restaurant or maybe your neighbor is a liquor store, right?<br \/>\n4:58<br \/>\nI\u2019m not saying that is exactly what you should do because that\u2019s not really diversifying.<br \/>\n5:03<br \/>\nThat\u2019s just really spreading your money around what I\u2019m saying is diversification includes investing vertically, so you want to invest in your supplier. That\u2019s like number one. So if I own a sandwich shop, it\u2019s the business that I own and I\u2019m renting a space at a strip mall, or maybe I own that space like a condo type operation.<br \/>\n5:24<br \/>\nI want to buy the whole strip mall, because dad is my supplier.<br \/>\n5:27<br \/>\nThat\u2019s one example.<br \/>\n5:28<br \/>\nAnother example would be, I want to literally by my supplier, or I would literally want to buy my equipment leasing company, whoever I\u2019m leasing equipment from, maybe I want to buy that company or a share of that company. OK, so that is, I think, diversification, investing what you\u2019re already invested in. But do it vertically. Don\u2019t get into whole new ideas. investments that are not really related to what you\u2019re already in there, you can certainly do that.<br \/>\n5:53<br \/>\nI\u2019m just saying that is not necessarily diversification.<br \/>\n5:58<br \/>\nNow, how do we choose?<br \/>\n6:00<br \/>\nSo let\u2019s say if you find out what it is you\u2019re gonna get into, you actually put a name on it, and you go, OK, I\u2019m gonna go into those things, and you find there\u2019s a 14 different options, OK. So how do you decide, how do you pick and choose?<br \/>\n6:10<br \/>\nLet\u2019s just look at, the way we would look at real estate, because that is a great example.<br \/>\n6:15<br \/>\nIf I look at real estate a certain way, and I\u2019m gonna go through a list of ways to look at how you can measure the opportunity when it comes to real estate.<br \/>\n6:23<br \/>\nBecause you can use these same tools to measure other opportunities.<br \/>\n6:30<br \/>\nThe first basic one is the Rule of 72. So if I\u2019m looking at two different deals, I wanna find out, my first question is, how fast can I get my money out of the deal? So, if I put in $50,000, how fast before I get that $50,000 out? And I start my $50,000 in there?<br \/>\n6:45<br \/>\nSo, we take the number 72 and divide it by, it\u2019s going to be by the annual rate of return.<br \/>\n6:52<br \/>\nSo let\u2019s say it\u2019s 8% you would You would divide the 72 by 8, and you would end up with what?<br \/>\n6:58<br \/>\nwhat times 80, 72 it\u2019s 9, right?<br \/>\n6:59<br \/>\nSo your rate of return or your I\u2019m sorry, your rule of 72 is going to tell you that a deal that is paying 8% a year is going to take nine years before you get your money out.<br \/>\n7:09<br \/>\nOK, that\u2019s how that works, Gross rent.<br \/>\n7:13<br \/>\nThat is an index that you can decide are used to determine if a deal is worth looking at so that way I can stand in and Talk to my agent on the property of real estate that I\u2019m going to buy. Or I\u2019m talking to a broker, or I\u2019m at a meeting. And I can use the gross rent or gross index to determine if it\u2019s even worth me talking about, OK, it\u2019s a quick calculation. So I\u2019m just gonna go through some notes here.<br \/>\n7:39<br \/>\nLet\u2019s say, let\u2019s see here.<br \/>\n7:44<br \/>\nWhat we do is, here\u2019s, here\u2019s an example.<br \/>\n7:45<br \/>\nSo you take a four unit building, with an asking price of $400,000 And let\u2019s say the gross annual rents are $38,400, so you can write this down and try it yourself. So, you take the, the gross rent multiplier, OK, gross rent.<br \/>\n8:01<br \/>\nThe gross rent multiplier in this case is going to be the property price divided by the gross rental income.<br \/>\n8:08<br \/>\nAnd you\u2019ll get a number like it\u2019s going to be 10 in this case going to be like 10.4 so I\u2019m like that, OK, so is that a good figure? Well, it depends.<br \/>\n8:16<br \/>\nI believe your, let\u2019s see.<br \/>\n8:18<br \/>\nI think the higher gross rent multiplier Missy here, mmm hmm, yeah, OK, so you could take that gross rent multiplier that number and measure it with other properties in that area and determine if your deal is bet as better than the deal.<br \/>\n8:36<br \/>\nUh, the other deals that are out there.<br \/>\n8:39<br \/>\nJust by that index number, it\u2019s, it\u2019s not very accurate. I mean, it\u2019s not something you want to use all the time. But it\u2019s the kind of thing you would use when you\u2019re just talking to people and, or maybe you sit there with your phone and do a quick calculation, and you can see if it\u2019s worth.<br \/>\n8:51<br \/>\nIf it\u2019s worth talking about this deal, compare with that other one you were just talking about. OK? Little more sophisticated is something known as the cap rate.<br \/>\n9:00<br \/>\nAnd I\u2019ve got some notes here.<br \/>\n9:02<br \/>\nI\u2019m going to show you about cap rate capitalization rate.<br \/>\n9:05<br \/>\nIs literally, So don\u2019t mess this up here.<br \/>\n9:09<br \/>\nIt is net operating income, divided by the property value, and to get the percent rate, you just multiply by 100.<br \/>\n9:17<br \/>\nSo you take your net operating income and divide it by your property value.<br \/>\n9:21<br \/>\nSo I guess that\u2019s your appraised value or whatever you come up with as an objective standard for your property value. Now, you can literally search the term cap rate calculator on the Internet, and there will be a website that you can enter in.<br \/>\n9:33<br \/>\nYou can enter in your Gross Income on a deal, whether it\u2019s real estate or business, whatever, and in the form on the Internet, it\u2019ll ask you to account for things to deduct to determine what your, your expenses You will subtract out, it\u2019ll, it\u2019ll calculate your actual net operating income and then you divide that, it would divide it for you by the property value, OK, and that\u2019ll get you a capitalization rate.<br \/>\n9:59<br \/>\nThat\u2019s a good number to use to measure the value of a deal.<br \/>\n10:04<br \/>\nThe next one is called Cash on Cash, Now these are phrases, you can look up on the Internet. You can see it for yourself.<br \/>\n10:09<br \/>\nCash on cash is where you take the annual pre-tax cash flow, annual pre-tax cash flow, and you divide it by the actual cash that you invested.<br \/>\n10:22<br \/>\nAnd to get the percent rate, of course, you multiply by 100.<br \/>\n10:26<br \/>\nCash on cash, OK?<br \/>\n10:30<br \/>\nSome people call it cash and cash out. I think you\u2019ve heard me use the term cash and cash out.<br \/>\n10:35<br \/>\nThose numbers are another way to analyze the property.<br \/>\n10:38<br \/>\nSometimes you\u2019re going to analyze the property value by, by factoring in the debt.<br \/>\n10:42<br \/>\nAnd sometimes not, It depends on how you wanna look at things, what you\u2019re trying to do.<br \/>\n10:46<br \/>\nNow, the last one, it\u2019s going to be return or radar return, I\u2019m sorry. Return on investment, I always get that confused. It\u2019s the return on your investment.<br \/>\n10:58<br \/>\nSo what we\u2019re going to do is take the, the amount, I\u2019m sorry, the annual Return, the annual return you\u2019re expecting, and divide it by the total amount of money that you invested.<br \/>\n11:10<br \/>\nSo your expected rate of return or what you actually returned, bye the total amount of cash out of pocket that you invest in this.<br \/>\n11:20<br \/>\nAnd you could just multiply by 100 to get your actual percent rate.<br \/>\n11:23<br \/>\nSo that is how a brief way that is how you want to look at re-allocating or getting into some other investment.<br \/>\n11:32<br \/>\nTo be a little bit more sophisticated.<br \/>\n11:35<br \/>\nYou can get the balance sheet of the asset you\u2019re looking at, OK, And then have someone, like an accountant or CPA, go through it with you and look at different risk factors.<br \/>\n11:45<br \/>\nIn fact, a lot of times, the business broker And you should probably work with the business broker in this process.<br \/>\n11:52<br \/>\nThe broker can either himself or with one of his own accountants, can go through the balance sheet of the asset you\u2019re trying to purchase.<br \/>\n12:01<br \/>\nNow, let\u2019s say, the asset does not have a balance sheet. You can actually create a balance Sheet based upon the transactions regarding the asset for the last year, three months, or whatever.<br \/>\n12:10<br \/>\nBut have someone else analyze the balance sheet, And you would do things like this.<br \/>\n12:15<br \/>\nCompare the income of that asset With similar assets in that area, are in that market, to see if it, it measures up, to see if it makes sense, to see if the numbers aren\u2019t way different, OK?<br \/>\n12:28<br \/>\nSo, an accountant would know that sometimes you can do a forensic analysis of data, of your income statement.<br \/>\n12:37<br \/>\nThat gets really dialed in. And sometimes when you have an online business, where you\u2019re looking at the shopping cart data, you can have someone check to make sure that all the IP addresses were actually valid for all the purchases in that business. So, there are all kinds of ways to look at which opportunities better.<br \/>\n12:55<br \/>\nSo generally, the goto is real estate, and then private equity and private equity, Which would really be joint ventures.<br \/>\n13:05<br \/>\nJoint ventures would be something like, you know, partnership, or, maybe I call up a restaurant owner, and I offer to put in a quarter million dollars. Because I\u2019m looking at his books somehow. Or, I made a deal with them, or something like that, and I want a piece of the action.<br \/>\n13:21<br \/>\nSo if he\u2019s making 8%, that I want to make 8%, and why would he do that? For me?<br \/>\n13:26<br \/>\nWell, maybe it\u2019s a favorite, not really, but he would take my money as an equity partner, because it would offset his risk, his money that he has in the deal, OK, otherwise, why would you, why would you share a great deal, you\u2019ve got with an, with an asset, right, with someone else? Other than to offset your risk and maybe get into something else yourself.<br \/>\n13:47<br \/>\nSo there, there\u2019s always a way to make a deal and get into somewhere. So private equity, and I\u2019m very biased against stock.<br \/>\n13:54<br \/>\nI\u2019m very biased against the stock market.<br \/>\n13:56<br \/>\nI\u2019m very biased against bonds and and public equities.<br \/>\n14:02<br \/>\nAnd I think over time, and this year, especially, you\u2019re going to see for yourself why those things really have never existed.<br \/>\n14:09<br \/>\nI think in my lifetime, I don\u2019t believe that there\u2019s been a stock market.<br \/>\n14:15<br \/>\nOK.<br \/>\n14:17<br \/>\nSo, I\u2019ve never bought stock in my entire life.<br \/>\n14:19<br \/>\nMaybe that\u2019s not, not being very smart, but I like making money working with other people and joint ventures, and doing projects that serve people, and, and just make it enjoyable. So, you don\u2019t have to do it that way. That\u2019s how I do it. So, my first rule for people is, if you\u2019re looking to re-allocate, get into something that you loves.<br \/>\n14:39<br \/>\nNow for a lot of you might laugh and say, why?<br \/>\n14:42<br \/>\nNo. I just think for myself, that\u2019s what I want to do.<br \/>\n14:45<br \/>\nBut you don\u2019t have to do that. You can get into something that you understand really well, or that you could understand really well.<br \/>\n14:51<br \/>\nSo just keep those basic rules in mind.<br \/>\n14:53<br \/>\nLook at what diversification really is Look at an asset in terms of if I want to diversify When I buy this asset, what are my options?<br \/>\n15:04<br \/>\nIs there a ceiling?<br \/>\n15:05<br \/>\nAm I a limited Can I can I scale upward into vertically into the suppliers or or whatever aspect of this business Can I invest in it beyond the actual business itself that I\u2019m buying today?<br \/>\n15:20<br \/>\nAll right.<br \/>\n15:21<br \/>\nWell, I hope that helps you answer the question of, how do I create an asset allocation plan, OK?<br \/>\n15:28<br \/>\nSo generally, that\u2019s the framework, and you can dial it in.<br \/>\n15:32<br \/>\nI\u2019ll even help you, you can dial it into specific named businesses are people to work with.<br \/>\n15:39<br \/>\nThanks very much.<\/p>\n        <\/div>\r\n    <\/div>\r\n\r\n    \r\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d2abb5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d2abb5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-297c984\" data-id=\"297c984\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fa25df elementor-widget elementor-widget-spacer\" data-id=\"5fa25df\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7714215 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7714215\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d8c495\" data-id=\"2d8c495\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8dafc7f elementor-widget elementor-widget-text-editor\" data-id=\"8dafc7f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Summary<\/strong><\/p><p>1. The speaker discusses asset allocation plans, noting that these should be individually tailored according to factors like age, interests, and the time one wants to dedicate to their investments.<br \/>2. The speaker mentions the importance of considering how to invest money, particularly after receiving a windfall and wanting to re-allocate funds into a different investment from the initial money-making venture.<br \/>3. Two types of investments recommended by the speaker are real estate and joint ventures. Real estate offers diversity and a wide range of investment opportunities, from residential and commercial properties to property management and agricultural land.<br \/>4. Real estate is noted to have both operating costs and require certain skills. Despite some individuals expressing a dislike for real estate, the speaker suggests it&#8217;s a sound investment due to people&#8217;s need for real estate and its finite quantity.<br \/>5. Joint ventures are the second type of investment recommended, which could involve buying into a business. This could mean being a silent partner, a lender, a co-owner, or getting involved in joint ventures that involve loans and lease agreements.<br \/>6. The speaker defines diversification as investing in something you already know or are successful in, rather than simply spreading your money in different places. They suggest vertical investing, which could mean investing in your supplier or purchasing shares in companies related to your business.<br \/>7. The speaker discusses several metrics for evaluating potential investments, including the Rule of 72, gross rent multiplier, capitalization (cap) rate, cash on cash return, and return on investment (ROI).<br \/>8. The Rule of 72 is a tool to estimate how many years it will take for an investment to double given a specific annual rate of return. For example, at an 8% annual return, it would take 9 years for the investment to double.<br \/>9. The Gross Rent Multiplier is used to assess the value of a rental property and can be used to compare it with other properties in the area. The cap rate is used to measure the return on an investment property based on its net operating income.<br \/>10. Cash on cash return measures the annual pre-tax cash flow against the actual cash invested, while ROI measures the annual return expected against the total amount of money invested.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a5795b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5795b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-111d23a\" data-id=\"111d23a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>U19 &#8211; Asset Allocation Plan I<\/p>\n","protected":false},"author":131,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[124],"tags":[],"_links":{"self":[{"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/posts\/14232"}],"collection":[{"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/users\/131"}],"replies":[{"embeddable":true,"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/comments?post=14232"}],"version-history":[{"count":7,"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/posts\/14232\/revisions"}],"predecessor-version":[{"id":25247,"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/posts\/14232\/revisions\/25247"}],"wp:attachment":[{"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/media?parent=14232"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/categories?post=14232"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/privacyfight.io\/wp-json\/wp\/v2\/tags?post=14232"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}