Bartolomiej Pietrzyk / Shutterstock.com Key Points in This Article: A common guideline for 55-year-olds suggests allocating 55% to stocks and 45% to bonds. The 4% withdrawal rule assumes a portfolio can sustain 4% annual withdrawals for 30 years. Target-date funds automatically adjust allocations and become more conservative as retirement nears. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than e ...

This ETF allocates most of its assets to fixed-income ETFs.It's hard to believe, but we're near the end of 2025. It's been quite a year, too. We've seen a new presidential administration take office, a huge tax and spending law enacted, and a changing U.S. tariff policy that faces a Supreme Court challenge.Unsurprisingly, the equity market was volatile, with the S&P 500 (^GSPC 0.01%) declining significantly in March and April. However, it rebounded, returning 16.6% year to date through Dec. 3.Looking ahead, ...