Short-term goals are those less than five years away. If markets were to drop, this timeframe could be too short for a portfolio significantly exposed to stocks or equity funds to recover. Because of this, short-term time horizons often utilize cash or cash-like investments. Money market funds, savings accounts, and short-term bond funds are all examples of short-term investment vehicles.
Medium-term goals are those between five and ten years away. With this much time, some exposure to both stocks and bonds will allow the portfolio to grow without being overexposed to risk.
Long-term goals are generally more than 10 years in the future. Over such a long time period, heavy exposure to stocks and stock funds offers greater potential return. Even if markets do tumble, the strategy has enough time to weather the storm and continue to grow.
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