Investment Mix

As a part of investing for a retirement plan, one of the key issues is what mix of investments you will create to achieve your retirement goals.  Most investments have risks, some more than others.  One viewpoint is to look at expected risk adjusted returns - or how much you expect to gain versus what is the corresponding risk with that particular investment.

For most investors planning for retirement, their investment mix should be weighted more toward conservative investments.  The following is a list of investments groups:


  • CD's
  • U.S. Treasury Bonds
  • Grade A Municipal Bonds
  • Quality Corporate Bonds
  • Annuities
  • Variable Universal Life Insurance
  • Guaranteed Return Life Insurance


  • Stocks
  • Covered Calls
  • Exchange Traded Funds (ETFs)
  • Real Estate Investment Trusts (REIT's)

There are many other choices and the above can typically be purchased individually or through a mutual fund. Regardless of the choice in mix, it is typically valuable to blend multiple types of investments and to create a risk balance investment mix that meets your objectives.

In many studies it has been shown that this mix is often more important than which individual investment is selected.