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Other Considerations When Planning Your Investment Mix

Each of our
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provides a model asset allocation mix that corresponds to a specific investment strategy based on tolerance for risk. However, there are essentially two different ways to evaluate how much risk you want to take:

  • One is to understand the psychological impact of risk whether or not you'll be able to tolerate the potential ups and downs that may be associated with certain types of investments.
  • The second consideration is your actual risk capacity, or your ability to weather the potential fluctuations associated with market volatility, based on your own personal circumstances.

For example, a young investor who anticipates continuing to accrue savings for many years to come and who also has other assets to potentially draw from in the future such as Social Security benefits may be able to take a more aggressive stance in order to achieve a retirement income goal compared to the approach of an investor with a shorter time horizon who may be well along the way toward achieving retirement objectives through existing savings.

Understanding how much risk you may need to take in order to achieve your goal and how much risk you'll be able to tolerate is a considerable challenge. For this reason, you may want to contact one of our consultants to review your personal circumstances and evaluate the "bigger picture" of your retirement investing strategy.


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TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services Inc. distribute securities products.
TIAA (Teachers Insurance and Annuity Association), New York, NY issues annuities.
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