After all, even in retirement you’ll need a sure exposure to growth-oriented investments to fight inflation and help ensure your belongings final for what might be a decades-long retirement. The other thing to remember about your time horizon is that it’s continually altering. This might help mitigate the impression of extreme market swings in your portfolio, which is necessary whenever you anticipate to want the cash relatively quickly. For investors who do not have the time or the expertise to build a diversified portfolio, target allocation funds can function an effective single-fund strategy. RPB manages five target allocation funds, each of which keep a specific asset allocation based on conservative, moderate, and aggressive threat profiles. In today’s environment of exceptionally low rates of interest, discovering 4% yield—a common baseline for yield portfolios—from conventional asset lessons corresponding to core bonds and core equities may be harder than ever.