I'm pretty happy with how my retirement savings are stacking up so far. But if I had known then what I know now, I would have done a few things differently in the beginning.

With that as the backdrop, here's what my retirement portfolio would look like if I was just getting started with $50,000 in cash and had several years before I would need this money. Note that there's a sizable piece of this stash I wouldn't do anything with just yet, knowing there will be compelling prospects popping up in the future that I'll want to step into without selling any of my existing holdings.

Amount: $15,000

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Source Fool.com