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Investing Specialists

One Retirement, Many Accounts: How Investors Allocate

Many readers said they treat their retirement holdings as part of one overall portfolio while others took an account-by-account approach.

Retirement savers have many decisions to make, and among the most important of these is how to invest their assets. Much attention is paid to the question of how much of one's retirement portfolio should be held in stocks versus bonds and to U.S. versus non-U.S. securities. But less often do you hear discussions of how to go about allocating assets earmarked for retirement when those assets are held in multiple accounts.  

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