The first group of investors are all full-time employed in their late 30s For this group of people it is to suggest that they should save in such a way their priorities include saving for their children education and then for other future pursuits. They should not put all their money in single stock or a single industry. If investing in mutual funds, might put 40 percent of your money in growth funds, 20 percent in aggressive growth funds, 20 percent in tax-exempt bond funds and 10 percent in money-market, checking and savings accounts. People in late 30s with full-time employment should have 80 percent equities or similar higher risk investments focused on growth, while also offering income-oriented investments. A moderately aggressive portfolio may be suitable for them as reasons of choices: • They have moderately high expectations for a return on your investments • Can tolerate market downturns and volatility for the possibility of achieving greater long-term gains • Desire potential returns that moderately outpace inflation • Have 10 years or more before you will need to utilize the money from your investments 30s PORTFOLIO ASSET CLASS ALLOCATION STABILITY OF PRINCIPAL (SP) 5% BONDS (BD) 15% LARGE CAP VALUE (LV) 20% LARGE CAP GROWTH (LG) 20% SMALL/MID/SPECIALTY (SM) 20% GLOBAL/INTERNATIONAL (GL) 20% The second group are all in their early 50s and in part-time employment All that this group of people want is a conservative portfolio with only 20 percent invested in growth and growth and inc ...