Your Investment Portfolio: Changing With Your Career

Posted on July 7, 2008. Filed under: -- Building Wealth, -- For The Investor In YOU | Tags: , , , , , , |


By Molly Greaves

 

 

June 2008 Money Magazine says that in your:

EARLY TO MID-CAREER, your portfolio should look close to this:

40%   Blue-Chip U.S. Stocks    

30%   Blue-Chip Foreign Stocks

10%   High Quality Bonds

5%     Inflation-protected bonds

5%    Cash

5%    Value

5%   Small-Cap                                      Average Portfolio Performance

14.3%  5-year annual return

38.7% Best 12 months 

0.22% Average Annual Expenses

-21.6% Worst 12 months   

LATE CAREER, your portfolio should look somewhat like this:  

30%   Blue-Chip U.S. Stocks

25%   Blue-Chip Foreign Stocks

20%   High Quality Bonds

10%     Inflation-protected bonds

10%    Cash

2.5%    Value

2.5%   Small-Cap                        Average Portfolio Performance

12.1%  5-year annual return

29.8% Best 12 months 

0.23% Avg. Annual Expenses

-14.4% Worst 12 months

IN RETIREMENT, your portfolio should look like this:

20%   Blue-Chip U.S. Stocks

15%   Blue-Chip Foreign Stocks

30%   High Quality Bonds

10%   Inflation-protected bonds

20%   Cash

2.5%  Value

2.5%  Small-Cap                    

 Average Portfolio Performance

9.3%  5-year annual return

20.6% Best 12 months 

0.25% Avg. Annual Expenses

-6.7% Worst 12 months

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