46% of Americans Split Their Investments Into Separate Buckets. Should Your Retirement Strategy Too?

The Charles Schwab Modern Wealth Survey 2025 found that 46% of American investors maintain a main investment portfolio alongside one or more smaller, separate portfolios designated for different financial goals, while 39% still rely on a single portfolio for everything, and 15% run multiple portfolios used roughly equally. Among those running multiple accounts, 54% say... 46% of Americans Split Their Investments Into Separate Buckets. Should Your Retirement Strategy Too?