asset allocation

An age gap and retirement portfolios

May 2, 2012
How do you plan your investments when you're planning for people of different ages? If a family has one person who is of retirement age and another who's much younger, how should common investments be allocated? Conservatively (keeping in mind the older person) or aggressively (in the interests of the less old person)? Thanks!!! Rina, Bronx, NY
Posted In: retirement savings, asset allocation, diversification, Marriage and money

Time to consolidate

Mar 20, 2012
Having had three job changes, my investments are in three locations, with a fourth about to start. I have a Roth and two 401(k)s. Is it a benefit to combine all investments into one account? I need to educate myself on my money. Most that I have invested is in aggressive funds. I am 47 and getting older each day!! Jeff, Tulsa, OK
Posted In: personal finance books, Investing, asset allocation, diversification, 401(k)s

What should we do with our money

Mar 2, 2012
We now want to invest some of our emergency fund that we believe is a little inflated, due to fears of the economy. I've looked around at fee-only advisers, but they all state that you should have at least $100,000 to start investing; otherwise, they don't feel like you are qualified to work with. What should we do with our money? We have about $15,000-20,000 that we want to invest, but we want to do the right thing. Could your staff help with some options? Thank you, Joshua, Riverside, CA
Posted In: Investing, Savings, asset allocation, stocks, Treasury bill, index funds