Physical Condition

List down your current asset value then roughly calculate the time you have till retirement. If you are 40 now you are a good 20 years away from retirement plus consider your life expectancy say 80 years. This makes your time horizon 40 years. So you need to save enough money to keep you comfortable for next 40 years. Calculate the returns you expect from your investments and the percentage of losses you can tolerate every year without any major financial loss.