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Plan by Goal

Investing a Lump Sum

Decide what jobs the money needs to do before choosing investments.

An illustrative $200,000 has several possible jobs around a central lump sum.

Give your money jobs

$200,000 illustrative lump sum

One illustrative lump sum can serve emergency reserves, near-term spending, long-term investing, retirement, property, legacy and education.

The complete money-jobs map

Read the purpose cards clockwise from the top. These details belong to the same illustrative lump sum, with no amounts assigned to individual purposes.

Emergency fund
Near-term spending
Long-term investing
Retirement
Property
Legacy
Education

Purpose first. Amounts depend on your plan.

These are possible purposes, not recommended allocations. Decide how much can remain invested before choosing what to buy.View full size
01

Separate access needs from future goals

Give the money a job
02

Build an appropriate investment mix

Understand portfolio construction
03

Test time and growth assumptions

Explore a lump-sum illustration