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Investing Specialists

Are You an Asset-Allocation Outlier?

From pensions to small-business ownership, how to know if your mix of stocks, bonds, and cash should not look like the others'.

Note: This article is part of Morningstar's January 2016 5-Point Retirement-Portfolio Assessment Week special report.

Professional asset-allocation guidance has never been easier or cheaper to obtain. Target-date funds, with stock/bond mixes informed by professional asset allocators, have emerged as the default investment choice for most defined-benefit plans. Target-date fund asset growth has slowed in recent years, but the funds held more than $700 billion in assets at the end of 2014, according to Morningstar research