Building a portfolio: Life lessons

Toronto Star, Bryan Borzykowski

“The overriding themes are balance and diversification,” says Cynthia Kett, a CFP with Stewart & Kett Financial Advisors.

How those two objectives are achieved will depend on risk tolerance, your time to retirement and financial needs. Someone nearing retirement will likely have a much safer portfolio than newlyweds in their 30s; a 40-year-old couple with two kids would invest differently than a single 20-something.

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