1. How would you determine your broad asset allocation (between equity vs. fixed income)?

2. Would you implement using a target-date fund, static allocation fund, individual funds, individual stocks/bonds, or a hybrid/different approach? Why?

3. How much U.S. vs international stock exposure would you choose? Why?

4. How much U.S. vs. international bond exposure would you choose? Why?

5. Which fixed-income exposures would you include (Treasuries / TIPS / Investment-Grade Corporate / High-Yield Corporate / Muni)? Why?

6. For the bond allocation, would you prefer constant-maturity funds, target-maturity funds, or individual bonds? Why?

7. What tradeoff(s) are you intentionally accepting with this portfolio?

8. What assumptions would need to change for you to redesign this portfolio?

9. How would you maintain your target allocation (calendar-based vs. threshold-based rebalancing, glide path, distributions only, never rebalance, etc.)?

10. Why might someone disagree with your approach?

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