How should I structure my investment portfolio for retirement?

How should I structure my investment portfolio for retirement?

To structure your investment portfolio for retirement, consider your risk tolerance, time horizon, and financial goals. A common approach is to diversify across stocks, bonds, and other assets.

What percentage of my portfolio should be in stocks versus bonds?

A general rule of thumb is to subtract your age from 100 to determine the percentage of stocks. For example, if you're 30, you might aim for 70% in stocks and 30% in bonds.

Are there specific funds you recommend for retirement?

Index funds and target-date funds are popular choices for retirement. They offer diversification and typically have lower fees.

How often should I rebalance my portfolio?

It's advisable to review and rebalance your portfolio at least once a year or whenever your asset allocation drifts significantly from your target.

What other factors should I consider when planning for retirement?

Consider factors like your expected retirement age, healthcare costs, and any potential income sources like Social Security or pensions.