Suggested portfolios by subjective and objective risk tolerance


Below is
a first attempt at Portfolio Recommendations based on













































A. Ratio of Financial assets/wealth B. Horizon High risk tolerance Low risk tolerance
Ratio < 20% < 2 years CD’s, etc. matching horizon CD’s, matching horizon
Ratio < 20% 2-5 years stocks + 5 year government bonds (80/20?) stocks + 5 yr government bonds (50/50?)
Ratio < 20% 6 to 9 years all stocks all stocks
Ratio < 20% 10-19 years all stocks all stocks
Ratio < 20% > 19 years all stocks all stocks
Ratio > 20% < 2 years CD’s or similar investments matching horizon CD’s or similar investments matching horizon
Ratio > 20% 2-5 years stocks + 5 year gov. bonds (60/40?) stocks + 5 yr. government bonds (40/60?)
Ratio > 20% 6 to 9 years all stocks stocks + 5 yr. government bonds (60/40?)
Ratio > 20% 10-19 years all stocks stocks + 5 yr government bonds (80/20?)
Ratio > 20% > 19 years all stocks all stocks