4. Investing Across the Decades: From 20s to Retirement

Your 20s may call for bold moves in equities. By your 40s and 50s, stability often takes priority with bonds, value stocks, and retirement accounts. Along the way, alternatives and college savings enter the picture.

In this episode of Quarter Over Quarter, the discussion explores how portfolios naturally shift as life moves forward. The mix of growth and value, the timing of bonds, and the role of alternatives all depend on your stage of life and your comfort with risk. It’s not just about chasing returns, but about understanding how time horizon, family needs, and personal goals influence the way you invest.

You’ll hear why starting early matters, how compounding builds momentum, and why it’s wise to lean on guidance when decisions get more complex. Because if investing doesn’t stay the same decade after decade, your strategy should grow as you do.

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