Sources: William Reichenstein, CFA, Ph.D., professor of investments at Baylor University, based on professionals’ recommendations atVanguard, Fidelity, T. Rowe price and other fund families as reflected in their target retirement date funds.

Younger than 40YEARS OLDYounger than 40

INTERNATIONALHow much of the stock portion of yourportfolio should be in international stocks?STOCKS

10%-15%

International stocks are recommended for all investors -- from recent college graduates to their grandmothers.The right allocation of international stocks depends on your age and target retirement date.

International exposure

90%90%90%

The stock portion may be90 percent of their portfolios.

RECENTLYRETIREDRECENTLY

STOCKSPORTFOLIO

50%

International exposureInternational exposure

of stock portion of portfolio.of the total portfolio.

of stock portion of portfolio.

ALLINVESTORS

20%-30%22.5%