What does The Optimal Portfolio Look Like? (Asset Allocation by Age)

How to Get Wealthy by Age: 20’s, 30’s, 40’s, 50’s & 60’s+

Whether you’re just starting out in your 20s, building a family in your 40s, or enjoying retirement in your 60s, your financial goals—and the way you invest—should evolve with you. So in today’s video, we take a look at some smart investment strategies that are tailored to every stage of life.

From the more aggressive growth that younger investors might choose, to the income-focused stability that those of a more seasoned disposition might desire, this video will have you covered.

And as investment choices should always meet the personal circumstances of individual investors, I give my own personal take on what I choose to invest in as a 57 year old, whilst also looking at some alternative strategies for those, who wish to avoid certain assets in their portfolios such as bonds, whilst still hedging against stock market crashes.

Also covered in this video are:
– the benefits of starting investing early,
– how compounding works better with time,
– tax efficient accounts such as an ISA or Pension
– budgets and using a cash buffer to protect your investments
– Assets of differing risk, such as equity , bonds and high yield dividend funds / etfs,
– How diversity can be achieved within a portfolio and
– The dangers of sequencing ( sequence ) risk for those in or near to retirement.

Funds / ETF Featured in this video:
Vanguard S&P500 UCITS ETF ticker VUSA
Vanguard FTSE all world UCITS ETF – ticker VWRP
Vanguard FTSE All World High Dividend Yield UCITS ETF – ticker VHYL
SPDR MSCI All Country UCITS ETF – ticker ACWI
iShares S&P 500 Information Technology Sector UCITS ETF – ticker IITU
Invesco Nasdaq-100 UCITS ETF – ticker EQQQ
Vanguard Global Aggregate UCITS ETF – ticker VAGS
Ishares UK Gilts 0-5 year UCITS ETF – ticker IGL5

Whether experienced or a beginner investor, younger and considering investing in 100% stocks / equity index funds / ETFs for growth or getting closer to / in retirement / a more cautious investor, who might want income and less volatile portfolios that include bonds and cash like assets, this video will have something in it for you.

This video, and my channel generally, is to help provide education with investing for beginners or for those less experienced and will hopefully provide you with information on how to save and invest money, to help you make your own comparisons and choices on what you feel is the best future investment for you.

Thanks for taking an interest in my video and please shout out if you have any questions or comments. I really appreciate your feedback,

Kind regards,
Tim

Investing Qualifications:
CISI Level 3 – International Certificate in Wealth and Investment Management

DISCLAIMER:
The content on this channel and in this video should NOT be construed to be financial advice. All information is provided for educational/entertainment purposes and it does not take any individual circumstances into account. If you are making investment or other financial decisions and require advice, please consult a suitably qualified licensed professional.

The brokers that I use:

Trading 212
https://trading212.com
This is NOT an affiliate link

Vanguard
https://www.vanguardinvestor.co.uk/
This is NOT an affiliate link

InvestEngine
https://investengine.com/
This is NOT an affiliate link

Chapter Times
00:00:00 Introduction
00:00:38 20’s
00:00:55 Start Early
00:01:53 Compouding
00:02:07 Compounding Example
00:02:33 Greater Compounding With Investing
00:02:47 Increasing Contributions to Enhance Compounding
00:03:13 Tax Efficient Accounts
00:04:04 Cash Budgets
00:04:44 Cash Buffers
00:05:06 Investments in the 20’s
00:07:03 US Dominance
00:07:28 Safer Assets
00:08:39 High Yield Dividend Funds
00:09:33 Dividends – Added Diversity
00:10:10 Adventurous Investors
00:11:19 20’s Investment Strategy Summary
00:12:02 Retirement Age
00:12:36 Sequence of Return Risk
00:13:19 Retirement Cash Buffer
00:14:15 Investments in Retirement
00:16:58 Retirement Investment Strategy Summary
00:17:33 5 Years From Retirement
00:17:52 Investments
00:17:59 10 Years From Retirement
00:18:19 20 Years From Retirement
00:18:35 Age 30-45
00:19:19 My Investment Strategy – Age 57
00:20:04 Final Thoughts