When Do You Need a Will? When do you need a will? The answer is easy: Right Now. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Are Alternative Investments Right for You? With alternative investments, it’s critical to sort through the complexity. What Smart Investors Know Savvy investors take the time to separate emotion from fact. Asset Allocation Consider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance.