Here's the problem: you want to invest for the future, but professional advisors cost too much and you don't have the time or expertise to manage a stock portfolio.

It needn't be a problem. In fact 80 percent of investors' returns come from asset allocation - that is, what kind of assets you buy - rather than from active stock picking. This book takes you through the process of structuring an investment portfolio that's right for your individual situation while actively managing the risks involved.

By the time you've read the book, you'll have an idea about the theory that underpins asset allocation strategies, but more importantly you'll be able to build your own portfolio using low-cost investment methods. And you won't need advanced math to get there.