How to Design the Right Portfolio for You

Just as there is no one-size-fits-all method for raising a child, there is no universal blueprint for building a portfolio.

When my kids were young and I was desperately trying to figure out how to be a good parent (the hospital didn’t provide a manual), I watched my friends closely. How did they handle TV watching, crossing streets and eating sweets? Did their kids play organized sports, enroll in “enrichment” activities, have a formal bedtime? How did they impart important life lessons, from manners and hygiene to honesty and compassion?

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Kathy Kristof
Contributing Editor, Kiplinger's Personal Finance
Kristof, editor of, is an award-winning financial journalist, who writes regularly for Kiplinger's Personal Finance and CBS MoneyWatch. She's the author of Investing 101, Taming the Tuition Tiger and Kathy Kristof's Complete Book of Dollars and Sense. But perhaps her biggest claim to fame is that she was once a Jeopardy question: Kathy Kristof replaced what famous personal finance columnist, who died in 1991? Answer: Sylvia Porter.