For example, if you expect to purchase a home or other expensive item you may need to use some of your savings. The larger your spending requirement the more conservatively you will need to invest in order to ensure that the money is available when you need it. Most people do not require any income from their investments until they retire. The tax rate you expect to pay on your investments . Your personal ability to tolerate your portfolio value fluctuating up and down.
Many people overestimate their ability to tolerate risk.
The better your outlook, the more aggressive you can be with your investments . Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. West State Rd.