What is the recommended investment duration for each portfolio?

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Accepted Answer

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

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