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Kiplinger Invest for Retirement
Your step-by-step six-part series on how to invest for retirement, from devising a successful strategy to exactly which investments to choose.
To know how much money to keep in stocks, you need to identify an appropriate level of risk in your investment strategy. Are you investing for growth, aggressive growth or maintenance?
Typically, your age guides these investment decisions. Use this one simple rule of thumb to identify a safe investment strategy, which determines how much of your retirement fund to hold in stocks:
1.Subtract your age from 110 and multiply by 1.25. (Investors under 30 should put all their long-term investments in stocks.)
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2. At least once a year, run down your full menu of investments -- brokerage accounts, employer-sponsored retirement plans, IRAs -- and see if they square with the amounts you want to devote to stocks and bonds (use the free Instant X-Ray tool at Morningstar.com).
Among stocks, examine your mix of large and small companies, and foreign and domestic firms to diversify your risk.
NEXT: Diversify Your Investments
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The Bear Market Protocol: 3 Strategies to Consider in a Down MarketThe Bear Market Protocol: 3 Strategies for a Down Market From buying the dip to strategic Roth conversions, there are several ways to use a bear market to your advantage — once you get over the fear factor.
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