A former senior portfolio manager at Harris Private Bank in West Palm Beach, Florida, Tony Comorat now serves as wealth management director at Sabadell Bank and Trust in North Palm Beach. In this position, Tony Comorat is an active member of the bank’s Asset Allocation Committee. The allocation of assets in a portfolio among different categories, such as stocks and bonds, is an extremely personal decision. Before making allocations, individuals must consider their tolerance for risk and the time frame in which they want to invest. In general, riskier investments come with higher returns. Thus, to bring in more return on investment, investors must have the tolerance or willingness to lose some or all of the original investment. For example, volatile stocks can result in great gains or significant losses. Low-risk investors favor more reliable investments with a lower return, such as bonds. The time frame will also have a strong bearing on allocation. Investors with years to achieve a financial goal may take more risks, since they can wait out the fluctuations of the market. Investors with short-term goals, on the other hand, often assume less risk.