Time horizon matters
Money needed soon and money intended for a distant goal may need to be considered differently.
RETIREMENT PLANNING
Retirement planning. Turn a future need into a plan.
Retirement planning connects your expected future lifestyle to the assets, savings and investment decisions needed to support it.
WHY IT MATTERS
Build the allocation around the goal.
The portfolio should be considered in the context of the goal, its time horizon and your financial circumstances. Different assets can play different roles in a portfolio, and the overall mix matters.
Consider what the plan can withstand
Think about the financial consequences of losses and your ability to stay with the plan through market changes.
PORTFOLIO CONSTRUCTION
Think portfolio, not isolated products.
Asset allocation considers equity, debt or fixed income, cash and other relevant assets as parts of one portfolio rather than unrelated holdings. The intended allocation can then be reviewed as circumstances and market values change.
Portfolios can drift
Changes in market values can alter the allocation over time, so the portfolio needs periodic review.
Allocation is part of planning
Asset allocation works alongside goals, cash flow, risk management, investment analysis and the wider financial plan.
LEARN IT IN CONTEXT
From allocation to a complete plan.
The Financial Planning Course covers asset allocation and portfolio construction as part of a wider financial planning process, rather than as a standalone product-selection exercise.
LEARN THE FULL PROCESS
Understand your money.
Build your financial plan.
Work through financial planning, investment planning and asset allocation in 9 live sessions.