MORE ON PORTFOLIO CREATION.

If my previous article about portfolio creation was tough to stomach, i will try to explain again with hope that it will be easy to grasp. However, if there still exist grey areas, please post comment with specific areas in order to converge my full focus on it. Okay?

1. Identify all your savings and investment 
2. Gather them all on a piece of paper and list them ( same like the table in scenario A in previous article)
3. Regarding market based rate of return, you got to ask around the investing fraternity population for it.
4. Then compute the weighted return. (weighted return= asset's exposure x market rate)
5. Then add up all vertically to get the return percentage.

Compare this weighted return against with the rate of return you SHOULD BE aiming.
Note: The rate you should be aiming is calculated based on the money you need to have throughout your golden years.