• Personal goals and timeframes: You may be willing to take on more risk if your goals have a longer time horizon.
• Income and asset base: Your view of risk may change as your income and asset base change.
• Portfolio diversification: As your wealth grows, spreading risk across several types of investments can help moderate the ups and downs in your portfolio's value.
• Asset allocation: With each market cycle, various asset classes perform differently. As your financial goals and risk tolerance change over time, fine-tuning your investment allocations may help mitigate risk.

Tax-efficient investment strategies can play an important role in a well-thought-out wealth management plan for two good reasons: They have the potential to reduce your tax burden and they can increase your after-tax returns.

While UBS does not provide tax advice, we can help you manage the tax consequences of your financial decisions — on both the asset and liability sides of your balance sheet.¹

• Funding tax-deferred accounts such as IRAs and 401(k) plans for retirement and Section 529 accounts for post-secondary school education.
• Investing in U.S. treasuries, government-sponsored entities, municipal bonds and state tax-exempt money funds.
• Purchasing shares in tax-efficient mutual funds.
• Setting up tax-efficient managed accounts (which offer the additional benefit of professional management).
• Allocating funds to tax-exempt fixed-income securities.
• Adopting tax-efficient borrowing strategies, such as interest-only mortgages.

¹ Neither UBS Financial Services nor its employees provide tax or legal advice. You must consult with your tax and/or legal advisors regarding your personal circumstances.

Read more about:

Managing Your Wealth
Professional Portfolio Management
Traditional Investments
Nontraditional Investments