| **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 |