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How to build an investment portfolio for each age-group.
- An OVERWOOD thread
- An OVERWOOD thread
1/ The most important rule of investment is the need for portfolios instead of individual investments.
Portfolios enable you to be more strategic with investments while reducing the possibility that you would lose everything to a single bad investment.
Portfolios enable you to be more strategic with investments while reducing the possibility that you would lose everything to a single bad investment.
2/ HOW TO CREATE A PORTFOLIO
1. Start by dividing your principal into 3 segments.
- Segment 1: Conservative fund (very safe).
- Segment 3: Balanced fund.
- Segment 2: Aggressive fund (more risk).
2. Assign percentages to each segment based on life stage.
3. Adjust with age.
1. Start by dividing your principal into 3 segments.
- Segment 1: Conservative fund (very safe).
- Segment 3: Balanced fund.
- Segment 2: Aggressive fund (more risk).
2. Assign percentages to each segment based on life stage.
3. Adjust with age.
3/ Let's explore sample portfolios for each age-group:
- Age 18 - 25
- Age 25 - 35
- Age 35 - 45
- Age 45 - 55
- Age 55+
- Age 18 - 25
- Age 25 - 35
- Age 35 - 45
- Age 45 - 55
- Age 55+
Age 18 - 25
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 20%
- Segment 3: balanced fund - 20%.
- Segment 2: Aggressive fund - 60%.
Have fun. Be aggressive. try Forex, Crypto, day trading etc. You have time to grow.
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 20%
- Segment 3: balanced fund - 20%.
- Segment 2: Aggressive fund - 60%.
Have fun. Be aggressive. try Forex, Crypto, day trading etc. You have time to grow.
Age 25 - 35
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 40%
- Segment 3: balanced fund - 10%.
- Segment 2: Aggressive fund - 50%.
You still have time to recover if an aggressive fund goes bad and you lose money.
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 40%
- Segment 3: balanced fund - 10%.
- Segment 2: Aggressive fund - 50%.
You still have time to recover if an aggressive fund goes bad and you lose money.
Age 35 - 45
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 50%
- Segment 3: balanced fund - 20%.
- Segment 2: Aggressive fund - 30%.
This is when you start reducing your risk because you most probably now have dependents.
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 50%
- Segment 3: balanced fund - 20%.
- Segment 2: Aggressive fund - 30%.
This is when you start reducing your risk because you most probably now have dependents.
Age 45 - 55
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 60%
- Segment 3: balanced fund - 30%.
- Segment 2: Aggressive fund - 20%.
You want some growth but safety is now the key consideration for your portfolio.
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 60%
- Segment 3: balanced fund - 30%.
- Segment 2: Aggressive fund - 20%.
You want some growth but safety is now the key consideration for your portfolio.
Age 55+
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 70%
- Segment 3: balanced fund - 20%.
- Segment 2: Aggressive fund - 10%.
You should be mostly conservative. This is NOT the time to play games. Retirement is close.
- Segment 1: Conservative fund.
Very safe instrument like Overwood Prime ( https://www.overwood.ng/prime ) - 70%
- Segment 3: balanced fund - 20%.
- Segment 2: Aggressive fund - 10%.
You should be mostly conservative. This is NOT the time to play games. Retirement is close.
2 quick requests:
1. Please follow @Overwoodng for more content like this.
2. Tell us your age-group and your portfolio strategy in the comment section.
1. Please follow @Overwoodng for more content like this.
2. Tell us your age-group and your portfolio strategy in the comment section.
2 quick requests:
1. Please follow @Overwoodng for more content like this.
2. Tell us your age-group and your portfolio strategy in the comment section.
1. Please follow @Overwoodng for more content like this.
2. Tell us your age-group and your portfolio strategy in the comment section.
