Your particular investing needs

There’s no one-size-fits-all approach to investing. How you invest will be driven by your goals, time horizon, liquidity needs and risk tolerance. Here are some questions to ask yourself as you begin to think about investing.

What are you investing for?

A well-defined goal — like deciding how much you’ll need in retirement — is the first step in determining what it might take to achieve your objective.

What is your time horizon?

If you’re saving for a longer-term goal such as retirement, you may be able to be more aggressive than if you’re saving for a shorter-term goal like a home purchase.

What are your liquidity needs?

It’s essential to know how much cash you might need at a given point, and how easily you could convert an asset into cash without potentially incurring a loss.

What is your risk tolerance?

What amount of risk would you be comfortable taking in pursuit of potentially higher returns?