text: if you knew how money works in the world...how would your personal economy be? i am a financial analyst, i am willing to give those who are interested - a free financial seminar - and a great opportunity of economic and personal growth... interesting question - i'm a financial analyst as well  what 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.  so 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.  ie - 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.  but 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.  so i would go with my personal funding requirements and then match underlying assets that would provide return-risk profiles acceptable in each area.  right now i am building a part portfolio in euro to hedge a euro commitment at the latter part of the year.