Asset allocation by age group
Mid-career investors (40s-50s) should shift to 60-70% stocks, 20-30% bonds gradually.
Mid-career investors (40s-50s) should shift to 60-70% stocks, 20-30% bonds gradually.
Pre-retirees (late 50s-60s) prioritize capital preservation with 50% stocks, 40% bonds.
Retirees (70s+) focus on income and stability with 30-40% stocks, 50-60% bonds.
Adjustments may be required based on risk tolerance, health, and changing financial circumstances.
Asset allocation evolves with age to balance growth and risk as financial goals shift.
Young investors in their 20s-30s can allocate 80-90% to stocks for aggressive growth.
Asset allocation should adapt as investors age to balance growth and risk. Young investors (20s–30s) can aim for aggressive growth, with 80–90% in stocks and 10–20% in bonds.
Mid-career investors (40s–50s) should gradually reduce risk, shifting to 60–70% stocks, 20–30% bonds, and 5–10% cash or real estate. Preserving capital while pursuing growth is key.
Pre-retirees (late 50s–60s) need to prioritize capital preservation by moving towards 50% stocks, 40% bonds, and 10% cash. This mix cushions against market swings while maintaining growth.
Asset allocation should adapt as investors age to balance growth and risk. Young investors (20s–30s) can aim for aggressive growth, with 80–90% in stocks and 10–20% in bonds.
Mid-career investors (40s-50s) should shift to 60-70% stocks, 20-30% bonds gradually.