Broad asset allocation based on “risk scores” assumes more risk than aligning investments to fund specific goals. So, we take little risk with money you need soon, allowing the benefits of increased risk to mature over extended horizons. The longer investments have the greater the certainty of expected returns. Plus, you don’t have to worry about short-term market gyrations.
Aligning Risk to Increasing Timelines
15+ Years
Long Term Growth
Legacy
Financial Independence
11-15 Years
Dividend Growth
Transition Parents
Travel
8-10 Years
Real Assets
Help Kids Get Started
4-7 Years
Income
College Expenses
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1-3 Years
Liquid Assets