Building a Retirement Portfolio

By Allen Krewzz

Published July 4, 2026Updated July 4, 2026

Why Retirement Portfolios Should Evolve

The Core Building Blocks

Age-Based Rules of Thumb

Age-based rules of thumb are a helpful starting conversation, not a rigid prescription. Two people the same age with very different risk tolerances or retirement timelines may reasonably choose different allocations.

Building a Retirement Portfolio

Why Retirement Portfolios Should Evolve

The Core Building Blocks

Age-Based Rules of Thumb

The Concept of a Glide Path

Diversifying Within Each Asset Class

Rebalancing Over Time

Adjusting for Individual Circumstances

Common Mistakes

Conclusion