Creating Your Investment Plan

Have the Talk
A couple sitting on a couch reviewing their finances.

Whether you're investing on your own or working with one of our experienced Investment Consultants, we suggest a three-step approach to creating your investment plan and putting it to work.

Step 1: Define Your Goal(s)

Name It

Know what you're investing for—retirement, college education, general investing, etc.

Date It

Determine your time frame for when you'll use your investment. Different goals may require different timelines.

Estimate the Amount

Add up how much you may need for each goal. Use our Future Value Calculator to estimate how much you may need to invest depending on your timeline and your goal amount.

Step 2: Design a Strategy or Modify an Existing Strategy


Evaluate Your Risk Tolerance

Our Investment Planner tool can help you determine how much of the market's ups and downs you're comfortable with and which mix of investments might suit your situation, depending on how conservative or aggressive you want to be.

hand on calculator

Run the Numbers

Use our Future Value Calculator to calculate how much you'll need to invest to meet your goals or our Planning for Your Retirement tool to calculate how much income you'll need in retirement, considering your risk tolerance, anticipated earnings rate, and how long you expect to rely on the investment.

pie chart


Spread your investments across different types of assets to lower your overall risk. Learn more about how you can build a diversified portfolio with mutual funds and the importance of asset allocation.

hand with lightbulb

Know Your Decision-Making Style

How will you manage your plan? Will you do the research and regular portfolio reviews yourself, or will you also consult a professional for advice and recommendations?

Step 3: Execute Your Plan

Take Action

Invest in new funds, rebalance or readjust existing investments to align your portfolio with both your risk tolerance and goals.

Make It Automatic

Set up periodic automatic investments to help ensure you're building on your investment and putting market swings to work for you, or establish automatic withdrawals to start using your nest egg.

Stay on Track

Review your investments regularly, either on your own or with an Investment Consultant, and learn how rebalancing can help you manage risk in your portfolio.

Manage Additional Monies

Do you have money in several different accounts—two or more investment companies or your bank? Consolidating investment accounts may give you a clearer picture of your financial standing.

Many see a work bonus or tax refund as play money. But, consider putting extra money to work for your future—like funding an emergency account or investing in your retirement.

Maintain a Long-Term View

The more time you have for your investments to grow and compound, the more likely you are to reach your goals.

Your Dreams Are Too Important

Educate yourself on the essentials of investing and reach for your goals through personalized service.

Investing Essentials Guide

Not Sure Where to Start?

Investment Consultants are available to call you for a complimentary, personalized consultation.

Request Consultation

This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.