Kiplinger Personal Finance - Your guide to making money work.

Click on Kiplinger to see three different suggested portfolios:

Short-term | When you need your money soon -- or now
Retirees in their mid to late sixties should consider replacing some or all of their bond funds with immediate fixed annuities that pay guaranteed monthly checks for the rest of the policyholder's life.

Medium-term | Nearing retirement or other goals
This portfolio is designed for people who are within five years of retirement

Long-term | Building wealth for retirement or college.
This portfolio is ideal for investors who have at least six years until retirement

Kiplinger