Portfolios That Fit Your Needs

Tailor your investing plan to match your goals, time frame and appetite for risk.

If you had stitched together a sound, well-conceived investment plan before the financial crisis hit, you stood a much better chance of staying invested through the bear market than if you had neglected to look ahead. Then again, as former heavyweight champion Mike Tyson once put it, "Everyone has a plan till they get punched in the mouth." Boy, did we get socked! A Bloomberg survey found that a year after the stock market bottomed, two-thirds of U.S. investors said that their portfolios hadn't recovered at all. This implies that many people were out of stocks at the market's bottom, likely because they had abandoned their plans at just the wrong time. Or maybe they bailed because they didn't have a road map to begin with. (Or perhaps, after taking that knockout punch, they stopped paying attention.)

This package will give you everything you need to construct a diversified portfolio tailored to your needs. We've assembled portfolios designed for three common situations: a young person focusing on growth, a couple with retirement on the horizon and a retiree looking to generate income without fear of outliving his money. We've also put together portfolios for four special situations: investors looking for ultra simplicity, those with a modest kitty, those willing to go beyond the traditional assets and people who want nothing to do with stocks. To learn more about these portfolios, see below.

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Elizabeth Leary
Contributing Editor, Kiplinger's Personal Finance
Elizabeth Leary (née Ody) first joined Kiplinger in 2006 as a reporter, and has held various positions on staff and as a contributor in the years since. Her writing has also appeared in Barron's, BloombergBusinessweek, The Washington Post and other outlets.