In this edition of The Motley Fool's "Ask a Fool" series, Motley Fool analysts Jason Moser and Brendan Mathews take a question from a reader who asks, "What percentages would be best placed in stocks, cash, or bonds?"

The first question investors need to address is whether they are in the stage of trying to grow their wealth or protect it. Jason also makes the point that The Motley Fool's own Rule Your Retirement service, headed up by Robert Brokamp, is a great resource when looking for more information regarding allocations. While each individual's situation is different, and there is no cookie-cutter method to determining allocations, as individuals grow closer to retirement, their exposure to equities should come down in order to minimize risk. 

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