Investor Education Series: Portfolio Allocation Structure A proper portfolio structure is akin to the foundations of a house. It needs to be set right so that what goes on top of it is on a firm footing. While a young investor with plenty of time on his/her side might be better off fully invested in the equity market to let the power of compounding work its magic, a soon-to-be-retiree will need to be more conscientious in structuring a proper portfolio allocation if he/she wishes to have a worry-free retirement. I have previously talked about the 4% withdrawal rule that all retirees should be aware of. In that article, I first introduced to my readers the “Ideal” portfolio allocation structure, one I termed as my NAOF Portfolio and I reasoned why this portfolio structure is superior to that of the 60:40 equity to bond portfolio structure which is more commonly known....