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Lifecycle strategies are the most commonly used approach in determining the investment. This approach is based on the financial periods of an investor during his or her life. The table below illustrates the different strategies an investor can take at different points of his or her life:
  Early years
(Up to mid 30s)
Middle years
(Mid 30s-late 40s)
Leading to retirement
(Late 40s-retirement)
Retirement years
(50+ years)
Your goals
Get Started
Build and Invest
Consolidate for
Income and
Your investment life stage
Build emergency fund Start investing Set short-term financial goals
Increase savings Set solid savings strategy Focus on short, medium and long- term financial goals
Maximise investment Goals tend to shift to medium-term
Invest to generate sufficient return for living expenses Focus on meeting short to medium- term goals
Your concerns
When and how to start saving Savings need to be liquid to cover short-term obligations
Family commitments (mortgage, paying for child's education) Managing investments
Plan retirement Manage existing investments to obtain maximum returns
To have sufficient income for retirement Return on investment that is sufficient to maintain pre-retirement living standards
Your investment strategies
Develop a plan Start investing regularly to save for short-term needs and retirement Growth oriented investments for longer term
Diversify investments Larger proportion of growth/equity investments
Ensure diversification but re-evaluate asset allocation mix by reducing the percentage of higher risk investments
Continue to invest but shift asset allocation mix towards more conservative assets
  What is your current life stage?
  Is your goal short-term, medium-term of long-term?
  What is your attitude towards money and risk?
  Are you willing to accept short-term movements in the value of your investments?
  Are you prepared to accept higher risks for greater returns?
There are a number of financial advisors who can help you in planning your finances and investments such as banking institutions, insurance agents, and remisiers. However, ensure that these parties have the proper credentials to give you advice on managing and investing your money.
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