| Timeframe | Example Goals | Recommended Portfolio | | 1 year or less |
- Emergency fund for 3–12 months
- Unexpected expenses | Emergency Portfolio | | 1–2 years |
- Wedding costs
- Planned medical expenses
- Vacation
- Purchasing goods or services
Retiree investing (Age 60+)
| Conservative Portfolio | | 3–5 years |
- Home down payment
- Graduate studies
- Debt repayment
- Car purchase
Retirement in 3–5 years (Age 55–57)
| Moderately Conservative Portfolio | | 6–9 years |
- Buying property
- Mid-career retirement planning
- University tuition for children
Retirement in 6–9 years (Age 50–54)
| Moderately Aggressive Portfolio | | 10+ years |
- Early retirement planning
- Investing for children
- Long-term investing
Retirement in 10+ years (Age 18–49)
| Aggressive Portfolio |