In your middle years — say, between about age 35 to 55 — consider the following asset mix:

At this stage of life, you may need some of your savings soon. But you are likely also investing some of your money for long-term goals, such as retirement. When you invest, you may:

• Choose a mix of conservative, moderate, and higher-risk assets
• Prefer investments like bonds, blue chip stocks and mutual funds.

Reviewing your asset mix

Review your mix from time to time and consider rebalancing your portfolio in these circumstances:

• When you’re making a major new investment
• When one asset has had an unexpectedly good or bad return compared to others
• Each year, before tax season
• Whenever you’re speaking with a financial adviser.

Remember: Asset mix is critical to investment success.

It’s also a very personal matter. You may be willing to take more risk in your early and peak earning years. As you head toward retirement, many people choose a more conservative mix. If you don’t feel comfortable choosing your own asset mix, you may want to get some expert advice.