Asset Allocation Questionnaire
The results will tell you what percentage of your investment spending should be designated to stocks compared with bonds. (Generally, people with less than five years to retirement should look more into bonds, but those who are just beginning their career should be more apt to risks.)

But before retirement investing, Solin recommends you have at least six to 12 months of living expenses in liquid accounts, like FDIC ensured CDs. “When it comes to planning for retirement through investing,” he says, “ignore the financial media, don’t trust a broker, and do not try to outguess the stock market.”

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