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Short-Term Time Horizon (5 years or less)

Conservative Investor


Generally, conservative investors nearing retirement are not looking to participate fully in the market. They may be comfortable with a low-risk strategy that could potentially achieve rates of return slightly greater than inflation. This portfolio has less chance of losing principal over the long term.

Moderate Investor


With fewer years to retirement, moderate investors may be concerned about protecting principal while also achieving some amount of capital appreciation. This portfolio is constructed to provide a moderate level of risk and return.

Aggressive Investor

With a short investment time horizon, aggressive investors will bear substantial risk to achieve their objectives. With an aggressive allocation, portfolio volatility increases. This portfolio is constructed to provide the possibility of growth over the short term while still providing some stability and income.

Allocate  Intermediate-term Time Horizon