Investments by age, using buy and hold.
Don't know where I found this. But I thought it was worth sharing!
1.
AGE 26-45: AGGRESSIVE
Now is the time to be brave. Invest in higher risk stocks with greater growth potential.
100% in stocks
0% in bonds
0% in cash
2.
AGE 45-55: GROWTH
These are the peak earning years. Broadly diversify your stock portfolio.
90% in stocks
10% in bonds
0% in cash
3.
AGE 56-65: BALANCED
The house is paid off and the kids are out of college; focus on higher – dividend – yielding stocks.
60% in stocks
30% in bonds
10% in cash
4.
AGE 66-75 CONSERVATIVE
High – dividend – yielding equities such as utility stocks are the way to go during the early retirement years.
10% in stocks
70% in bonds
20% in cash
5.
AGE 76+ SHORT-TERM
With no wages and a supersafe portfolio, your return starts to suffer and your savings begin to dwindle – but you should be OK with what you have left.
0% in stocks
10% in bonds
90% in cash
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