Financial Life Events
Every stage of life has its own financial needs and concerns. The life events on this page can help you target the key financial strategies and issues that are likely to be most important to you in this stage of your life.

Changing Jobs    Coping with Unemployment    Planning for Retirement    Long-Term Care Planning    Planning an Estate    Nearing Retirement/Retirement    Caring for an Aging Parent    Loss of Spouse    Financial Windfall    Getting Divorced   


 
Major Asset Classes
Major Asset Classes

When determining how to diversify an investment portfolio, you should consider the variety of broad types, or classes, of investments that are available. Listed below are the general asset classes most frequently considered when designing a portfolio.

Cash
  • Bank accounts, money market funds, CDs
Stocks

Classified by:

  • Geography: domestic (U.S. only), global (includes U.S.), international (foreign only)
  • Company size: large cap, mid cap, small cap, micro cap
  • Style: aggressive growth, growth, value, income
Bonds

Classified by:

  • Geography: domestic (U.S. only), global (includes U.S.), international (foreign only)
  • Type of issuer: government, municipal, corporate
  • Default risk: investment grade (lower risk), high yield (higher risk)
  • Time factor: long term, intermediate term, short term
Real Estate
  • Your home, vacation property, rental property, real estate investment trusts (REITs)
Other
  • Private equity, hedge funds, futures, options, foreign currencies, precious metals


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