When working with clients to build a portfolio and set a final savings goal before retiring, more financial advisers are concentrating on clients’ goals and asking them not to focus on performance, BusinessWeek reports.

Goal-based investing, otherwise known as liability-driven investing, is something institutional investors do. In the case of individuals’ retirement, the biggest liability is outliving assets, so this approach asks them to keep a greater portion of their assets in higher-return, i.e. risky, asset classes.

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