How often should I review my plan?

Once a year or after major life changes. Update contributions, verify your allocation, and rebalance if your mix has drifted.

Should I time the market?

Market timing is difficult to repeat consistently. A steady contribution plan with periodic rebalancing often works better.

General Retirement Planning

Turn long-term goals into a clear plan with a sensible allocation, automated contributions, and simple rules you can follow.

Define Goals, Timeline, and Risk

List your retirement age, spending needs, and non-portfolio income. Decide how much volatility you can tolerate. A long horizon supports more equities; a short horizon calls for more bonds and cash buffers.

Simple Allocation Beats Complexity

Pick a diversified stock/bond mix or an all-in-one allocation ETF. Rebalance annually or when your mix drifts by 5–10 percentage points to reset risk.

Fund the Plan and Automate

Automate contributions on payday. Raise deposits with each raise. Use calculators to evaluate how time, rate, and fees change outcomes.

Table: Example Glidepath (Illustrative)

Years to Retirement	Stocks	Bonds
20+	80%	20%
10	70%	30%
5	60%	40%
0	50%	50%

Illustrative only. Not advice.

FAQs

How often should I review my plan?: Annually or after life changes. Update contributions, re-check allocation, and rebalance if needed.
Should I time the market?: Timing is hard to repeat. A steady plan with periodic rebalancing usually outperforms reactive decisions.