Chapter 12
Fine-Tuning Your Asset Allocation
IN THIS CHAPTER
Customizing your portfolio beyond a target-date fund
Knowing the characteristics of subcategories of stocks and bonds
Understanding the risks and opportunities of international investing
Getting up-to-date with ESG investing
Opening a retirement account, vowing to regularly put ample money in, and choosing a target-date fund with a reputable provider are as much effort most people want to expend when making a retirement plan.
However, other people want to do more. Some retirees are interested in personal finance and would like to boost their knowledge and play a more active role in building a perfect and unique retirement plan. Others think they can build a better portfolio than an off-the-shelf target-date fund. And some people are in a situation that calls for a more customized portfolio. If any of these people sound like you, you’ve come to the right chapter.
In this chapter, you discover some of the limitations of target-date funds and what they might leave out in the name of simplicity. You know stocks and bonds are ...
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