Investing at 38

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The Best Investments for Your 40s If you're late to the saving and investing party, you can catch up by making some lifestyle trade-offs. Workplace k or b Supercharge your saving and investing to prepare for retirement. If you haven't begun saving in your employer's retirement plan , start now.

Asset Allocation Asset allocation in your 40s may lean slightly more toward lower-risk bonds and fixed investments than in your 30s. However, the ratio of stock investments to bond investments varies depending on your risk comfort level. Just remember: The more stock holdings you have, the more volatile your investment portfolio and the greater your exposure to risk.

You can include broadly diversified international stock funds and REITs in your investment mix, too. Note Sticking with low-fee index funds is one way to keep your investing costs in check. The Best Investments for Your 50s Now it's time to examine your future goals and explore your current and desired future lifestyle.

Investigate your current income, projected income, and tax situation. The results of your analysis will influence the best investments in your 50s. If you're on track for retirement, keep doing what you began in earlier decades. As you edge closer to your retirement date, you'll probably dial back your stock-fund exposure and increase the allocation of your portfolio to bonds and cash. The specific percentages will be determined by when you anticipate dipping into your investments and how much.

If you expect to retire at age 67, you might delay spending your investments. In that case, you can be a bit more aggressive with your investing in your 50s. Additional Income Streams Investigate creating income streams from your investments. Shift some of your investments into higher-dividend-paying stock and bond funds. Consider REITs with juicier dividend payments as well. That way, you can structure your portfolio to generate some spending money in retirement. Ultimately, how you invest each decade will be dictated by the progress you're making toward your financial goals.

Start saving and investing as early as possible to secure your financial tomorrow. Diversification is essentially the investment strategy version of "don't put all your eggs in one basket. One or two stocks you own might be down one day, but others may be up.

This makes it less jarring to look at your account because the price fluctuations won't be as volatile. What type of investment strategy could be considered insurance against a stock-heavy portfolio? Any asset that is known to be less correlated to the stock market could work as insurance against stock exposure.

Common stock hedges include bonds and gold. The Balance does not provide tax, investment, or financial services and advice. But with 30 or so years before retirement, you, too, are young. Here's how to buy an individual stock. Seek inexpensive diversification Investing becomes less risky if your investments are diversified, which means no, you should not dump all your available cash in the latest IPO.

Here are two tricks to diversification: Having enough money to spread around. Using index and exchange-traded funds. Being older can help a great deal with the first item, as the years between and something probably netted you a few salary increases. That index includes of the biggest companies in the U. The performance of the fund, then, virtually mirrors the performance of the index — less the fees you pay for the convenience of the fund. Aim to pick funds with fees less than 0.

In some cases, you can get that number down to 0. To diversify even further, you can put together several funds — for example, one that gives you exposure to international stocks, and one or two that invest in small and medium U. Because bond prices tend to move in the opposite direction of stock prices, you can also buy bond funds to further balance the risk of those stock funds. If all of that sounds too hard to manage, you can pay to have someone do it for you, or even some thing: A robo-advisor, which uses a computer algorithm to build and manage your portfolio for a small annual fee, is a good choice at this stage.

You may gain additional peace of mind from knowing a smart computer is watching over your investments. The trick is to prioritize these goals. Retirement should come first, but you can divert money into these other goals by saving more when you get a raise, stashing away windfalls and taking advantage of changing expenses.

Instead of kicking your restaurant spending up a couple of notches, put those payments into a savings account, open a brokerage account here's how or fund a college savings plan instead. Learn more about how to prioritize your financial goals here. You might want to boost that savings rate if your son or daughter aspires to the Ivy League, though. Got more questions? We have answers How can I invest wisely in my k?