Optimal Asset Allocation in your 50’s

Reaching your fifties can represent a shift in outlook towards investments. The aggressive growth strategies of younger years are influenced by a desire for preservation of that hard earned wealth.

At this age, there is still a reasonable amount of time before retirement. However, removing too much risk too soon can inhibit returns for what should often be seen as a lifetime investment strategy.

In this article, we’ll explore asset allocation for UK investors in their pre-retirement phase.

Assessing Your Fifties Investment Profile

Your fifties are likely to be the years when you attain more senior roles. But the fifties bring changing circumstances:

• Income is at its highest.
• Mortgages and other debts are declining.
• Living costs for family may be reducing.
• Parents may need greater support.

Everyone’s individual situations are different, and others can find that the reverse of the above is true, especially w