[masraum]

Originally Posted by pwd72s

It's true that your age is a factor in investing. Somebody in their 20's or 30's can and should take a different approach than those in their 60's and 70's. The books Sammy suggested cover that topic well.

Paul Merriman also addresses that in some of his various articles, and his recommendations (he has recommendations for Mutual funds that would meet his buy and hold plan as well as ETFs that are geared toward a few of the big brokers, like Vanguard, Fidelity, etc...) include recommendations for "aggressive," "moderate" and "conservative" investors which would generally be in line with an age based approach. WHen you're young, go all in on equities. As you get older, you start shifting some investments into bonds which are less volatile. I think he ends up with a 60/40 split.