A man makes his way through the -15C cold in the city's financial district in downtown Toronto on Tuesday, January 28, 2014. A long life of assorted jobs, good times, hard times, moves and mistakes can result in an investment portfolio that looks like a jumbled basement storage closet.Your working life goal of accumulating as many assets as possible to build a nestegg for retirement ends along with your employment income when retirement day arrives at last. THE CANADIAN PRESS/Nathan Denette