Friends of Ruth Langsford reveal she has struggled immensely to escape the DISGUSTING Eamonn Holmes throughout their marriage: ‘She was always trying to find the disg^sting s.3.x t@pe he used to threaten her so she could destr*y it’

The break-up is becoming increasingly bitter with celebs queuing up to take sides in the shock divorce, which was exclusively revealed by The Sun.

“It’s ‘Eamonn or Ruth’ and people are taking sides. The row is incredibly divisive and getting worse.”

Ruth’s loved ones “howled with laughter” at reports suggesting Eamonn was living a solitary life in a flat near a roundabout and a busy ring road.

Pals of Ruth also point to the fact that the Loose Women star stood by him and was “literally helping him get in and out of bed” following his health woes despite them growing apart in recent months.

And he only left the marital home in Surrey after Ruth was horrified to stumble across correspondence he had exchanged with another woman on a laptop.

The Sun also revealed how Eamonn and mother of three Katie had secretly embarked on trips behind Ruth’s back as they grew increasingly close.

A source told us: “There is an alarming re-writing of history going on from ‘Team Eamonn’.

“The fact remains that he would still be in the marital home, being cared for by Ruth, if she didn’t find out what had gone on behind her back.

“There is a lot still to spill out on what has really gone on during Eamonn’s marriage. It will all come out in the wash.

“And even he will raise eyebrows at some of the details surrounding his new confidant Katie, who has told pals she’s ‘madly in love’ with him.

“Watch this space.”

Recently, insiders said the couple had drifted apart, with their last social media post in July 2022.

Their incredible family home boasts a family kitchen and cosy living room as well as a workout space.

The kitchen has fresh white marble worktops for a fresh feel while there’s the contrast of black furniture in the living areas.

Outside, there’s a huge garden with a flagstone-paved workout space and sofas to relax on afterwards.

He attended the annual ceremony in London solo, using a wheelchair for assistance.

The Belfast-born TV star is in chronic pain and had a double hip replacement in 2016, followed by surgery in 2023.

Speaking about their split at the awards ceremony, after GB News scooped an accolade, Eamonn was accused of taking a swipe at the Loose Women anchor.

He also opened up on their break-up said: “I’m not OK.

“This is not a good time at all.”

He added to The Mirror: “It’s too early to say but I hope we can still be friends.”

Previously, we told how Eamonn is being consoled by a blonde divorcee in her 40s – who also happens to be a marriage counsellor.

TV’s golden couple revealed their split after 14 years in an exclusive statement to The Sun on Sunday.

Their spokesperson told us: “Ruth Langsford and Eamonn Holmes have confirmed their marriage is over and they are in the process of divorcing.”

Despite the news breaking in spring, Eamonn had hinted at their troubles six months beforehand.

The couple share son Jack, 22.

Eamonn is also dad to three children from his previous marriage.

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Source: USA Today

Asset Allocation: An Overview

Asset allocation is a crucial strategy in investment management that involves dividing an investment portfolio among different asset categories, such as stocks, bonds, real estate, and cash. The goal is to balance risk and reward by adjusting the proportion of each asset class based on the investor’s risk tolerance, time horizon, and financial goals.

Importance of Asset Allocation

Diversification: Spreading investments across various asset classes reduces the risk of a significant loss. If one asset class performs poorly, others may perform well, balancing the overall returns.

Risk Management: Different asset classes have different levels of risk and return. By allocating assets appropriately, investors can manage the overall risk of their portfolio.

Optimization of Returns: Proper asset allocation aims to maximize returns for a given level of risk.

Key Asset Classes

Stocks (Equities):

Represent ownership in a company.

Potential for high returns but come with higher risk.

Suitable for long-term growth.

Bonds (Fixed Income):

Loans made to a corporation or government in exchange for periodic interest payments and the return of principal at maturity.

Generally lower risk than stocks, providing more stable returns.

Suitable for income generation and preservation of capital.

Real Estate:

Provides potential for income through rent and appreciation in value.

Offers diversification benefits due to its lower correlation with stocks and bonds.

Cash and Cash Equivalents:

Includes money market funds, Treasury bills, and other short-term investments.

Lowest risk but also the lowest returns.

Provides liquidity and stability.

Factors Influencing Asset Allocation

Risk Tolerance:

The degree of variability in investment returns an investor is willing to withstand.

Higher risk tolerance generally leads to a higher allocation in stocks.

Time Horizon:

The expected period an investor plans to hold an investment.

Longer time horizons can justify higher allocations to stocks due to their potential for higher long-term returns.

Investment Goals:

Specific financial objectives, such as retirement, buying a house, or funding education.

Goals influence the required return and acceptable risk level.

Market Conditions:

Economic and market trends can impact asset performance.

Tactical adjustments may be made based on current conditions, though the core allocation usually remains aligned with long-term goals.

Strategies for Asset Allocation

Strategic Asset Allocation:

Establishing and adhering to a base asset mix that aligns with the investor’s long-term goals and risk tolerance.

Periodic rebalancing to maintain the target allocation.

Tactical Asset Allocation:

Short-term adjustments to the asset mix based on market conditions or economic outlook.

Aims to capitalize on favorable conditions while managing risk.

Dynamic Asset Allocation:

Continuously adjusting the asset mix in response to changing market conditions.

More flexible but requires active management and frequent monitoring.

Core-Satellite Allocation:

Combining a core portfolio that follows a strategic allocation with smaller, actively managed

satellite investments.

Allows for potential higher returns from satellite investments while maintaining a stable core.

Rebalancing

Rebalancing involves adjusting the portfolio to return to the target asset allocation. This can be done periodically (e.g., annually) or when asset classes deviate significantly from their target weights. Rebalancing helps maintain the desired risk level and can involve buying or selling assets to restore the original allocation.

Conclusion

Asset allocation is a fundamental aspect of building and managing an investment portfolio. By diversifying investments across different asset classes, investors can manage risk, optimize returns, and align their portfolios with their financial goals. Whether following a strategic or more active approach, understanding and applying asset allocation principles is key to long-term investment success.