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so I usually go mid-low risk
I’m trying to think of situations where this is the right answer.maybe if you need the money back tomorrow? In which case why bother?
Low risk ‘traditional’ investments feel so low risk as to be pointless. Returns will be low after fees, assuming you win, but they’ll still tank with the high risk stuff.
Even the high risk stuff is orders of magnitude less risky than, uh, untraditional investments.
Unless you are taking your pension you want
- some cash to tie you over if shit gets real
- the bulk in trad. Investments that are high risk for growth
- A small amount of punts that will mostly fail but might get to the moon
Nothing in between
- some cash to tie you over if shit gets real
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I’m trying to think of situations where this is the right answer.maybe if you need the money back tomorrow? In which case why bother?
As you're nearing retirement typically you'd start to rebalance for capital preservation and/or income over growth.
But yeah at Amey's age unless there was a massive lump sum needed in a couple of years for a house/school fees* you'd just go max growth for now.
(not financial advice)
*even then though there are probably some bonds or other specific products that would be better.
question here regarding risk level; clearly these are mid-high risk and volatile, do you guys actively monitor and divest when the time is right?
asking as I have no time for this so I usually go mid-low risk and let them just grow on their own, less returns obvs