text: Interesting question - I'm a financial analyst as well\n\nWhat you learn is that a credit rating or a market perception can help you draw down large credit lines. As what US is doing and many large corporates.\n\nSo within my fiedl I would like to be considered a thought leader and hence my investing too would be into areas that are strong on fundementals and be asset driven.\n\nIe - when you are younger - I would like to have failry less liquidity but more stock in risky but higher return sectors - like tech stocks and real estate and even commodities.\n\nBut as I age I would rebalance my portfolio to become less risky by moving more and more funds to fixed deposits and index related funds.\n\nSo I would go with my personal funding requirements and then match underlying assets that would provide return-risk profiles acceptable in each area.\n\nRight now I am building a part portfolio in euro to hedge a euro commitment at the latter part of the year.