Asset Allocation

Overview: Determine your asset allocation: your stock to bond ratio. Stocks carry more risk but also more reward. Once you’ve decided on an allocation, stick with it. Don’t plan on changing your allocation but once a decade or so. Keep your allocation consistent across your entire portfolio. A simple spreadsheet or a free service like Personal Capital can easily show you where to add or remove funds to keep your allocation within the target upon which you’ve decided.
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Indexing Benefits

Overview: Passive index funds are great. They are diversified, low cost, tax efficient, easy to buy and sell, and can be liquidated quickly. They are great for beginners. They are also great for sophisticated investors who think index funds are beneath them!
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Where To Invest

Overview: There are lots of fantastic options for investing for retirement. Always start with tax deferred options like a 401(k) or IRA. Max out those accounts before looking at more creative options like a taxable brokerage account. Pay off high interest consumer debt like credit cards with 20% interest. Doing so is an immediate 20% return on investment. Finally, don’t overlook the value of a Roth IRA or even an HSA.
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Getting Started

Overview: Investing for retirement is very important, but for many people, it’s out of sight and out of mind. Investing isn’t as hard as the finance industry has made it sound. If you do it right. Write down your goals so you have a plan. Get your finances in order so as to make investing a key component of your budget. Finally, do what so few bring themselves to do: start.
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