[Verse 1]
Sarah's saving for retirement, twenty years to go
Wants a house down payment too, in just five years though
Different dreams need different plans, can't put all eggs in one
Goals-based allocation helps, let's see how it's done
[Chorus]
Goals come first, then time horizon
Risk and return, keep your eyes on
Short term safe, long term growing
Goals-based allocation, that's the way we're going
Match your money to your dreams
Nothing's quite the way it seems
Goals come first, time horizon
Goals-based allocation
[Verse 2]
Emergency fund needs safety, keep it liquid and secure
Money markets, CDs, bonds, that's the recipe for sure
College fund in ten years time, balanced growth is key
Stocks and bonds together now, building systematically
[Chorus]
Goals come first, then time horizon
Risk and return, keep your eyes on
Short term safe, long term growing
Goals-based allocation, that's the way we're going
Match your money to your dreams
Nothing's quite the way it seems
Goals come first, time horizon
Goals-based allocation
[Bridge]
High priority goals get safer bets
Lower risk means no regrets
Long-term goals can take more risk
Higher returns on your list
Each goal gets its own bucket
Structured plans, don't just wing it
[Verse 3]
Retirement's got the longest time, aggressive growth can shine
Mostly stocks with some bonds too, let compound returns climb
Review and rebalance yearly, as your timeline gets shorter
Move to safer allocations, like a ship heading to harbor
[Chorus]
Goals come first, then time horizon
Risk and return, keep your eyes on
Short term safe, long term growing
Goals-based allocation, that's the way we're going
Match your money to your dreams
Nothing's quite the way it seems
Goals come first, time horizon
Goals-based allocation
[Outro]
Every goal deserves a plan
Time horizon helps you understand
Goals-based allocation wins
That's where smart investing begins