Bower, J. L. Managing the Resource Allocation Process: A Study of Corporate Planning and Investment. Boston, MA: Harvard Business School, Division of Research, 1970.

Think through investment planning. Think through your asset allocation ... Effective retirement planning is a multifaceted process that balances financial security with personal fulfillment ...

When investment planning, start with your goals and aspirations. Then start worrying about how much you have, how much you earn and how much you owe.