CEO Phil Taylor says train for a marathon, not a sprint, when preparing your retirement plan. His new commentary offers tips and tools for shaping up your portfolio.

Global Strategist Richard Golod believes the recent rally may have created an inflection point that could potentially limit the equity market's downside. But the market's upside could also be constrained, at least in the near term. This month's commentary provides some perspective on this environment for long-term investors.

You don't put all your eggs in one basket because you won't have any eggs left if you drop the basket. That's the simple concept behind asset allocation. Spreading your eggs among lots of baskets is better – but what if a windy day blows them all away? How can you try to protect your eggs from a variety of dangers? That's the concept behind diversification. Read about asset allocation and diversification, key strategies for helping manage investment risk.

Other helpful links:

Historical Asset Class Returns: This brochure illustrates why investing is so challenging - and why a carefully considered investment plan is not just a nice-to-have.
Calculators: Our Investment Returns calculator factors in not only your investment capital and rate of return, but also inflation, taxes and your time horizon to help you meet your long-term investment goals.

Diversification does not guarantee a profit or eliminate the risk of loss.

How to Read a Prospectus

A prospectus helps you make informed decisions about what funds to invest in and enables you to make apples-to-apples comparisons between funds. If you think of a prospectus as a road map to find your way around a fund, this link offers you shortcuts to getting the information you need.