Now that you have quantified your retirement objectives, identified the asset classes you should choose, and considered how this retirement account will work with existing assets, you can move to select the specific product(s) for your portfolio retirement.

If you are an experienced investor with the time, temperament, training, and money to select individual stocks and bonds, you can certainly include them in your portfolio. (more…)

The “ideal product,” then, may be a diversified asset allocation program. By selecting a proportion of assets from each category, you can tailor an overall portfolio retirement to suit your risk tolerance, time frame, and goals. Although there is no guarantee of performance, selecting asset classes based on your personal retirement profile may help insulate you from the worst effects of inflation, market, and interest rate risks, while positioning you for potential account growth. (more…)