American Express Financial Advisors has asset allocation models to be used in retirement planning, for moderately aggressive and moderately conservative investors. Remember that no allocation model portfolio is ideal -- in the real world, every portfolio should be tailored to an individual's needs. So keep in mind that the samples listed below are suggested starting guidelines, not absolutely rigid formulas.

Moderately Aggressive
You seek to improve the overall return potential of your portfolio in exchange for an increase in the fluctuation of your principal investment.

Moderately Conservative
Although you want to maintain a portfolio with relatively low principal fluctuation, you are willing to sacrifice a small amount of stability in order to improve the overall return of your portfolio.