Whether you are building your first portfolio or nearing retirement, successful strategies can be made by choosing the right mix of investments for each life stage.
Investing For All Life Stages
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A key part of investing is knowing how long you have to reach your goal. Whether you are building your first portfolio or nearing retirement, successful strategies are made by choosing the right mix of investments for each life stage.
Medium-Term Goals (3 to 10 Years)
Choosing the right investments for mid-term goals can be more complex than any other time period. The challenge is striking an effective balance between protecting your assets while still achieving growth. Here are possible strategies for a portfolio designed for goals that are three to 10 years in the future: Balance your mid-term portfolio with a mix of high-quality fixed-income investments with modest growth investments. Balanced funds, growth and income funds, or equity income funds that invest in well-established companies that pay high dividends, might be appropriate. If your goal is just three or four years away, you might limit your stock to less than 30% of your portfolio. If your goal is eight or nine years in the future, you might invest 60% or more in a stock fund. Again, your tolerance for risk comes into play.