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This recommended investment portfolio is one of 20+ mutual fund portfolios that we've
assembled for investors with different time horizons and risk-tolerance levels to consider.
Visit our Portfolio Finder to see them all.
For near-retirees seeking protection and safety 65% Stocks | 25% Bonds | 10% Alternative |
We suggest this investment portfolio as a starting point for someone who is six to ten years away from a goal.
This portfolio should appeal to couples like Lynda and Tim Kalucki, who are comfortably on track for retirement. In addition to socking money away for college for their three daughters, ages 7 to 12, they save $80,000 to $100,000 per year toward retirement. They can afford to do so because Tim, 42, co-owns ITS Technologies, a specialized job-placement service, and Lynda, 41, runs the office of a large medical practice near their hometown of Sylvania, Ohio. Tim isn't sure whether he will sell his company outright after he retires or cash out over time. Either way, the couple will get a big boost in retirement.
The success of Tim's company, like any other small business, is tied to the economy. Because the couple's future income is so dependent on the business, they have a large amount of stock-like risk built into their finances. As a result, they should hold more in bonds than another couple with the same time horizon might need. The portfolio would have lost 40% during the bear market but recovered 80% since.