What Assets “Count” as Part of Your Total Investment Portfolio?


Howard and Thelma Morrison were recently married. They are both in their early 30s, and each has brought valuable assets into their marriage. Now, they are in the process of consolidating them.

At the same time, they are starting to take a serious look at setting up an investment plan. Neither had really given much thought to investing before they were married; they simply made decisions about individual investments as the need arose, with no overall plan in mind. Now, they have decided that the best approach is to determine an appropriate asset allocation and try to refocus their investments according to the plan.

First, however, they need to take stock of where they currently stand—the current allocation of their investment portfolio. And that has led to some confusion: Which of their assets should they include as part of their “investment portfolio?” Some of the assets are relatively clear, but others are less so.

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