How should I invest?
Start With Your Risk Capacity
Your ideal investment mix depends on:
✅ Time horizon (longer = more growth focus)
✅ Asset level (more wealth = more diversification options)
✅ Sleep factor (how much volatility you can tolerate)
The Growth-to-Safety Shift Strategy (one of many strategies we utilize)
Early Career 80-90% stocks as time recovers short-term losses
Mid-Career 60-70% stocks, this balances growth & protection
Near Retirement 30-50% stocks, this preserves capital while growing
3 Rules of Thumb
There are exceptions. Every plan is different, but in general:
Diversify Early – Spread across US/international stocks, bonds, annuities, real assets, etc.
Get More Sophisticated as You Grow – Over $500k? Add alternatives to diversify further
Automate Adjustments – Target-date funds or annual rebalancing
Where Advisors Help Most
Prevent over-conservatism (cash losing to inflation)
Avoid diworsification (too many overlapping funds)
Optimize tax placement (which assets belong in which accounts)
Your perfect portfolio evolves with your life – plan accordingly and contact a Chalk Money Financial Planner today!
Advisory Services are offered through Chalk Money, LLC, a DBA of Forefront Advisor Network. The foregoing content reflects the opinions of Jay Kadlec and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that the statements, opinions, or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel before implementation. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.
