Too embarrassed to ask: what is asset allocation?

Asset allocation is the process of dividing your investments between different asset classes, such as shares, bonds, property, cash and gold. Here's how it works.

When saving for a long-term goal such as retirement, most people invest their money in financial markets, rather than just putting it into a savings account in the bank.

Why?

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MoneyWeek is written by a team of experienced and award-winning journalists, plus expert columnists. As well as daily digital news and features, MoneyWeek also publishes a weekly magazine, covering investing and personal finance. From share tips, pensions, gold to practical investment tips - we provide a round-up to help you make money and keep it.