Bonds At Your Stage of Life

Your Stage of Life - Starting Out: Investing in Your 20s and 30s

  • Investment Goal at this Stage Maximize Capital
    (your most likely primary financial goal at this point)
  • Investment Horizon Very Long (30 - 40+ years)
    (how long until you need to access your money)
  • Risk Tolerance High
    (how much risk you feel comfortable taking)

At the beginning of your career you may have a hard time imagining life 15, 30 or 40 years from now. Chances are that you are more concerned about paying bills and saving money toward big-ticket items such as a car, a wedding, a house or having a baby.

Your ability to reach your goals and achieve financial security, however, depends in part on maximizing your current income through investments. You have the opportunity to create the important habits of saving and strategically investing now so you can enjoy its benefits in your later years. The work that you’re doing now is laying a foundation for future financial freedom. Europe is moving toward requiring its citizens to take much more responsibility for their own financial well-being in retirement, so taking advantage of savings vehicles is important so that you can support yourself and your family when you are ready to retire.

Keep in mind, however, that even at this early stage of the investment game, you want to aim for a well-blended portfolio to balance risk and market volatility. While your higher-yield investments can appear more exciting (because of their potential to earn more interest), it’s important to round out your portfolio with some strategically chosen lower- and medium-risk investments as well.

These materials have been prepared for informational purposes only and do not constitute investment advice of any kind, or an offer to buy, sell or promote any products or services. No investment decision should be made based on these materials. Please read our Terms & Conditions of Use