Many articles on the subject of money talk about different ways to invest the money. Few of the pieces, however, address the key issue underlying any allocation which may be keeping investors up at night.
Consider your age, your risk tolerance and your income needs. Then decide on the investments that are best suited for you. A well planned allocation strategy may allow you to achieve even the most optimistic retirement dreams.
Sometimes you do everything right -- you work hard, you cut back on spending, you invest for retirement -- but all of your effort seems for naught. What happens when doing all the right things doesn't work?
I recently reviewed the portfolio of a young man who had inherited almost $1 million. He thought his portfolio was "well diversified" because almost all of it was invested in an S&P 500 Index Fund. Several issues were apparent, which you might be able to relate to your investments.