Following the news that they have called time on their 14-year marriage, it has now been reported.

That Ruth Langsford and Eamonn Holmes were having a tough time coping with the latter’s health battle. 

Eamonn has been battling chronic back pain after undergoing spinal surgery in 2022 and a double-hip replacement in 2016.

The couple, who were together for 27 years, announced that they are in the process of divorcing on Saturday (25 May), and a friend of the couple has now claimed: 

“Ruth has become more his carer than a wife. Eamonn has been thoroughly miserable.”

Talking to MailOnline, they continued: “He has had a torrid time with his health, he’s in constant pain, and the truth is he can’t contain how miserable it makes him.” 

Continuing that Ruth began to get the brunt of his frustrations, the source explained that the dynamic became to much for the couple.

They added: “In the end it just started to get her [Ruth] down more than she could accept. She needs her own life. It’s a case of her wanting to get out and enjoy herself. Women at Ruth’s age realise that they only have ten, 20, 30 years max left and they want to have some fun.”

OK! has approached Ruth and Eamonn’s representatives for comment.

While neither Ruth nor Eamonn have spoken out on the news themselves or given a reason for the split, it has also been reported that work commitments had the pair going in separate directions.

Eamonn and Ruth, both 64, first met in the mid-90s after they were introduced by their mutual friend, TV presenter Sally Meen. They went on to marry at The Elvetham hotel in Hampshire on 26 June 2010 and welcomed son, Jack, in 2002.

The confirmation of their divorce followed on from swirling rumours about the couple, who haven’t been pictured together in months. GB News presenter Eamonn previously sparked concerns about the state of his relationship after telling his followers he had “loads to think about”.

And following the news breaking over the weekend, it’s now been reported that Eamonn will speak out on the split when he returns to work at GB News on Monday morning.

A source revealed that Eamonn understands viewers will expect him to comment and he’s ready to share his perspective. “Eamonn is always frank on camera and knows it will be odd for him to discuss the day’s news without mentioning his split so he’ll say a few words,” the insider confirmed while talking to The Sun.

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Source: New York Post

Asset Allocation: An Overview

Asset allocation is a crucial strategy in investment management that involves dividing an investment portfolio among different asset categories, such as stocks, bonds, real estate, and cash. The goal is to balance risk and reward by adjusting the proportion of each asset class based on the investor’s risk tolerance, time horizon, and financial goals.

Importance of Asset Allocation

Diversification: Spreading investments across various asset classes reduces the risk of a significant loss. If one asset class performs poorly, others may perform well, balancing the overall returns.

Risk Management: Different asset classes have different levels of risk and return. By allocating assets appropriately, investors can manage the overall risk of their portfolio.

Optimization of Returns: Proper asset allocation aims to maximize returns for a given level of risk.

Key Asset Classes

Stocks (Equities):

Represent ownership in a company.

Potential for high returns but come with higher risk.

Suitable for long-term growth.

Bonds (Fixed Income):

Loans made to a corporation or government in exchange for periodic interest payments and the return of principal at maturity.

Generally lower risk than stocks, providing more stable returns.

Suitable for income generation and preservation of capital.

Real Estate:

Physical property or investments in Real Estate Investment Trusts (REITs).

Provides potential for income through rent and appreciation in value.

Offers diversification benefits due to its lower correlation with stocks and bonds.

Cash and Cash Equivalents:

Includes money market funds, Treasury bills, and other short-term investments.

Lowest risk but also the lowest returns.

Provides liquidity and stability.

Factors Influencing Asset Allocation

Risk Tolerance:

The degree of variability in investment returns an investor is willing to withstand.

Higher risk tolerance generally leads to a higher allocation in stocks.

Time Horizon:

The expected period an investor plans to hold an investment.

Longer time horizons can justify higher allocations to stocks due to their potential for higher long-term returns.

Investment Goals:

Specific financial objectives, such as retirement, buying a house, or funding education.

Goals influence the required return and acceptable risk level.

Market Conditions:

Economic and market trends can impact asset performance.

Tactical adjustments may be made based on current conditions, though the core allocation usually remains aligned with long-term goals.

Strategies for Asset Allocation

Strategic Asset Allocation:

Establishing and adhering to a base asset mix that aligns with the investor’s long-term goals and risk tolerance.

Periodic rebalancing to maintain the target allocation.

Tactical Asset Allocation:

Short-term adjustments to the asset mix based on market conditions or economic outlook.

Aims to capitalize on favorable conditions while managing risk.

Dynamic Asset Allocation:

Continuously adjusting the asset mix in response to changing market conditions.

More flexible but requires active management and frequent monitoring.

Core-Satellite Allocation:

Combining a core portfolio that follows a strategic allocation with smaller, actively managed 

satellite investments.

Allows for potential higher returns from satellite investments while maintaining a stable core.

Rebalancing

Rebalancing involves adjusting the portfolio to return to the target asset allocation. This can be done periodically (e.g., annually) or when asset classes deviate significantly from their target weights. Rebalancing helps maintain the desired risk level and can involve buying or selling assets to restore the original allocation.

Conclusion

Asset allocation is a fundamental aspect of building and managing an investment portfolio. By diversifying investments across different asset classes, investors can manage risk, optimize returns, and align their portfolios with their financial goals. Whether following a strategic or more active approach, understanding and applying asset allocation principles is key to long-term investment success.