Now you’ll need to determine the time horizon for your portfolio, based on when you’ll need this money. If you’re planning for retirement, a good rule of thumb is to pick a point ten years after you plan to retire, e.g. age 75 if you’re planning on retiring at 65. If you’re planning for your children’s college education determine when you will need the funds.

5 YEARS		15 YEARS		25 YEARS		35 YEARS
	10 YEARS		20 YEARS		30 YEARS		40 YEARS

For example, I'll need my money in 30 years.