Asset Allocation The process of distributing investments among various assets, such as stocks and bonds, to help attain an investment goal. Diversify Your Investments Here’s the theory. Individual asset classes have distinct characteristics and historically don’t react the same way under the same market conditions. When some asset classes are falling in value, others may be rising. Although asset allocation does not guarantee future results, assure a profit, or protect against loss, diversifying your assets may help reduce the impact of market volatility over the long term. For more information about using this strategy with our variable products, please consult your financial professional to discuss how asset allocation will impact you.