Where to Put Your Portfolio When You Hit 60
It's common knowledge that as you get older you should shift more of your assets into safe-haven investments, such as U.S. Treasury bonds. However, it generally makes sense to continue investing some of your money in stocks even at age 60 and beyond. Although stocks come with a relatively high risk of losses, eliminating them from your portfolio exposes you to a different kind of risk: the risk that you'll exhaust your savings because they're not growing fast enough to keep pace with inflation.
The average 60-year-old can't afford to chase hot stocks that may either skyrocket or go down in flames. Fortunately, there are safer, more responsible ways to maintain some stock exposure as you reach the end of your working days.
Many investment management firms offer target-date funds, which invest your funds in a mix of stocks and bonds that automatically changes as you near the date when you plan to retire.
Source: Fool.com
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