Do you have the right portfolio for your retirement savings?
When it comes to long-term investing, the biggest issue — by far — is overall asset allocation: How much to stocks, sectors, assets and so on. Picking individual securities within those asset classes — individual stocks or bonds, for example — usually turns out to be much less important.
The most widely followed benchmark is the so-called “balanced” portfolio known as 60/40: 60%…
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