Through my experience, I noticed that most of the time during the first meeting with an individual investor the main question is : "what will be my return on investment ?" Like I showed it in the previous investment tips, the return on your investment will depend on different factors like the period of investment (time), the asset allocation, your investment risk tolerance etc. In the following chart, regularly update by IbbotsonAssociates (with Morningstar) you'll see how

As introduction I' like to start with a linguistic paraphrase inspired from the Petit Prince wrote by Antoine de St Exupery that he could ask to his portolio manager : "Please draw me the best risk/return portoflio" Which is the best way to introduce you to the concept of the risk/return efficiency for portfoflio management. 1) Origin of the risk/return efficiency curve : In 1952, Harry Markowitz published a formal portfolio selection model in The Journal of Finance. He con