Now that you know your time horizon and risk tolerance, you’ll need to come up with what’s called an asset allocation. At its simplest, the asset allocation is the breakdown between the Safer Asset Bucket and the Risky Asset Bucket.

Safer assets include cash (bank accounts, money market funds), Bonds

Risky assets include U.S. Stocks, Non-U.S. Stocks, Real Estate, Commodities, Private Equity