Design a diversified portfolio aligned to goals, risk, and time horizon.
Understand the building blocks of a balanced portfolio.
Growth potential with higher volatility over shorter periods.
Income and stability from bonds and treasuries.
Real estate, commodities, and other diversifiers.
Liquidity and short-term needs coverage.
Match allocation to comfort with volatility and time horizon. Use questionnaires to guide decisions.
| Profile | Stocks | Bonds | Cash |
|---|---|---|---|
| Conservative | 40% | 50% | 10% |
| Balanced | 60% | 35% | 5% |
| Aggressive | 80% | 15% | 5% |
Use low-cost funds and tax-advantaged accounts to compound returns.
Broad diversification with minimal fees.
Flexible, tradable funds tracking targeted exposures.
Real estate exposure with income potential.
Place assets strategically across taxable, tax-deferred, and tax-free accounts to reduce drag.
Rebalance annually or at thresholds to maintain target risk while minimizing costs.
Estimate long-term growth and assess allocation suitability.
Use sample allocation targets to choose a profile aligned to time horizon and risk tolerance.
See ProfilesClear answers to common investing questions.
Align investments to your goals and time horizon.