I need help responding to my peers. The information below is from my peers. The asset allocation process can be very complicated in investing especially when multiple funds are involved (Dalton & Forjan, 2022). There is a simple approach and then a more complex approach when it comes to allocating funds. After using the mean-variance model and a risk tolerance tool, a more detailed fund can be determined. When choosing the right mutual fund, the investor's risk and return objectives should be identified so proper fund matching can occur (Dalton & Forjan, 2022). Mutual fund database platforms such as Fidelity and Morningstar are used to shop for such funds (Dalton & Forjan, 2022). A prospectus is then used for the investor to relay information about the fund including the objective which is mainly capital appreciation or income generation (). That brings us to the investment strategy outlined by the objectives to soon achieve those same objectives (Dalton & Forjan, 2022).