During the accumulation stage, the investment portfolio should be invested for high growth and minimal income. Investments should be mostly low dividend paying stocks offering high growth potential. Dividend paying stocks and fixed income securities should not exceed 30%. Risk minimization should be accomplished by using a broad asset allocation mix. As many asset classes offering high growth should be used as practically possible. New contributions should be immediately allocated to asset classes that are below their target ranges. Market timing and Dollar-cost-averaging techniques should not be utilized.