Appendix DSuggested Asset Allocation Models
The glide path from Chapter 4, “Before You Begin Your Rescue Efforts: Things to Do to Make Sure You Don’t Make the Situation Worse,” will tell you how much money you should have invested in stocks and bonds at any given point on your road to retirement.
The question then becomes, which stock and bond funds to use? Yes, you can achieve the suggested allocations by buying individual stocks and bonds. However, most people find that to be too much work, and so we will stick to using stock and bond mutual funds here.
If you have been planning for your retirement for a while and have put more than $100,000 away, you might want to check your holdings against the following tables. For those of you with less ...
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