A primary goal of The Retirement Advisor is to help our subscribers achieve their financial or retirement goals in a suitable timeframe and reasonable fashion.  Our Retirement Advisor Model Portfolios were constructed with that goal and one other important goal in mind: Simplicity.  Studies have shown that the most effective way to save and invest for retirement is to construct and maintain a diversified portfolio of low-cost index funds matched to one’s retirement needs and risk tolerances.  There is no need (and in fact, this may be detrimental to your financial health) to invest in the hottest technology fund, or buy actively managed mutual funds where annual expenses could be over five times as high as low-cost index funds.