Camille Van Vyve
17 Feb 2023
How to best invest according to your age
We do not invest in the same way, nor with the same objectives, at 1 year (!) and at 75 years. To help you with your financial planning, easyvest offers a series of blogs on smart investing at 1, 25, 40, 65 and 75. In this introductory episode, you will see which priorities will be worked out for each age category.
Investing at 1: 18 years to build up a nice starting capital
Of course, you will not decide yourself to invest from an early age. But if you are a parent, ask yourself the question for your children! The “youth savings account”, in addition to being out of fashion, does not pay anything… With an investment horizon of around twenty years, why not invest your children's savings in stocks?
Investing at 25: laying the foundations for a successful portfolio
At 25, we ask ourselves questions above all. In this blog, we will try to answer the following questions:
- Should you invest aggressively when you're young?
- What is the long term?
- How to properly prepare for a real estate purchase?
Investing at 40: time to set goals
Entering your 40s usually means seeing your finances improve dramatically. Even though a significant portion of your capital is probably used to pay off a mortgage, your income increases. Now is the perfect time to set clear retirement goals and start taking steps to achieve them.
Investing at 65: plan your pension
You will soon stop working or lower your work rate. Do the maths: how much will you need to live on in retirement? To ensure your lifestyle and enjoy these good years, you will have to invest the capital accumulated during your professional career wisely.
Investing at 75: prepare your estate
You are enjoying your pension and may have inherited. If you can, assess the best way to help your children in their personal and family projects and prepare your estate in order to optimize it from a tax point of view.
Easyvest customers are between 1 and 92 years old
At easyvest, we open accounts for both minors and nonagenarians! Although always following an index or passive investment strategy, our portfolios adapt, through their allocation, to all ages and all investment objectives. In the next blogs in this series, you'll find out what our clients' typical financial concerns are and what solutions we provide to them. Whether these concerns are yours or those of close acquaintances, do not hesitate to make a simulation on our site and to contact our advisers.
Read the other articles in the “Investing by age” series: investing as of 1 year old, investing in your 20s, investing in your 40s, investing in your 60s and investing in your 70s.