No one portfolio is suitable for all investors and no lifestyle or target date fund has a portfolio that is appropriate for all investors of the same age or projected retirement date. Building a portfolio that is tailored specifically to you is a better way to go.

Some Key Issues to Understand About Yourself:

When designing your own portfolio, you need to take into consideration at least these issues:

Your level of need for current income from your portfolio
Your tolerance for volatility based on requirements for capital withdrawals to pay for lifestyle or particular capital needs, such as college tuition
Your level of emotional tolerance for portfolio value fluctuation
Your ability to replace potential capital losses with earnings from work
Your other assets and sources or income, such as rents or pensions
Your ability, willingness, available time and self-discipline to research and manage your portfolio’s assets
The level of total return …

No one portfolio is suitable for all investors and no lifestyle or target date fund has a portfolio that is appropriate for all investors of the same age or projected retirement date. Building a portfolio that is tailored specifically to you is a better way to go.

Some Key Issues to Understand About Yourself:

When designing your own portfolio, you need to take into consideration at least these issues:

Your level of need for current income from your portfolio Your tolerance for volatility based on requirements for capital withdrawals to pay for lifestyle or particular capital needs, such as college tuition Your level of emotional tolerance for portfolio value fluctuation Your ability to replace potential capital losses with earnings from work Your other assets and sources or income, such as rents or pensions Your ability, willingness, available time and self-discipline to research and manage your portfolio’s assets The level of total return you seek and your time horizon ...