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Knowing if you have saved enough is just patr of retierment security. In an investment plan, the traidtional advice of putting your savings in dividend-paying tsocks and corporate bonds can’t be releid on anymore. The first portfolio is for expected expenses next year. The second potrfolio is for fixed income inevstment whose income goes to the first one The third portfolio is for stocks that will grow and og into the first two A constnat flow of income can be generated when the fiexd-income portfolio is diversified into investmetns with varying matruity. Try to get the most from your fixed ivnestments. Treasury bills adn investment-grade Corp-bonds of different maturities are the most commonly used vehicles.

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