Growth and stability
More stocks may support long-term growth but usually bring a wider range of short-term outcomes. Bonds and cash may add stability, but generally offer less expected growth.
Focused decision guide
How does my current portfolio compare with my retirement plan?
The plan describes what your savings may need to do. A portfolio checkup adds a rough picture of how your money is currently invested, then compares the two without changing either one.
Understand the choice
What changes—and what you give up.
The planning return
A portfolio-based estimate can be compared with the return used in the plan. Neither number predicts what markets will deliver.
Currency exposure
The currency used to buy an investment is not always the same as the currencies of the businesses or assets underneath it.
Before comparing
The assumptions that matter most.
- Your broad stock, bond, cash and other allocation
- Where the underlying investments are economically exposed
- The plan’s contribution, retirement date and spending estimates
- Forward-looking asset-class assumptions and a planning margin
Test the question
Use the guide with a planning tool.
Begin with broad percentages. Accounts and individual holdings can be added only when they help answer a question.