Investment plans for each life-changing period are usually recommended to start in your 20s.

[Q&A for long-term investors]
Q: Do you have any important investment points for each transition period?

A: Investment plans for each life-changing period are usually recommended to start in your 20s.

If you are in your late 20s and are an office worker, there are various uses of your salary. We start investing by securing investments that deduct essential uses such as marriage cost insurance in advance.

For example…
Married for three years
Ten years of housing
In the long run, three years or so of planning is shorter than expected, so investing in less volatile indexes than individual stocks or growth stocks may be desirable.

Since the S&P index can estimate the continuous rise to some extent, investments must be made with a goal until the point of interest rate cuts and a three-year investment plan must be made to continue the investment without wavering in the fall.

Also, if you look up SPY, there are ETFs that pay dividends steadily, so investing in an index has a similar effect to investing in dividend growth.

Dividend growth stocks are a 10-year plan for earnings from their early 40s, which require excess revenue relative to pay through a long-term dividend rate rise.

Among the stocks that continue to increase dividends, if the industrial sector chooses and invests in promising companies in the future, it will subsidize the excess cost of living as children are born in 10 years, and if it continues to invest, it could be an insurance policy that acts as a pension in retirement.

The most important thing is the share of growth stocks.

It is difficult for growth stocks to talk about their portfolio strategies for each life-changing cycle without detailed information, as their age in their late 20s and the situation of their marriage and spouse’s family will affect every process in the future.

Nevertheless, if you dream of a long-term investment of 20 years, you need to buy superior companies among the current growth stocks so that they can enjoy the benefits of raising dividends or re-rising after splitting so that you can have a comfortable retirement with maximizing your assets and dividends in retirement.

In conclusion, at a young age, the focus is not on index investment or dividend growth, but on how much investment is secured by controlling the ratio of growth stocks and excess spending.

Workers should classify all expenditure items and make a long-term investment plan for the stage where financial income exceeds labor income with quarterly dividends.

Those in their 30s are not in the memory of most office workers.
Marriage, work, childbirth, and child-rearing pass at a tremendous pace. However, since the investment in this period will be a huge asset in your future life, you should put your bravado and flex yolo behind you to practice small but certain happiness and share your future plans with your family.

Even if you don’t have enough money in your 30s, you can survive because you are young and healthy, but after your 40s, the difference in economic power changes your life.

The time is approaching when children are required to have as much economic power as their parents’ love.

If investment is successful, assets will be circulated in a virtuous cycle and dividends will be sufficiently subsidized without special investment activities after the 40s. After that, you must look at the point of retirement in your work life, be prepared to challenge yourself in a new field, and be fully prepared for life after retirement.

In the 50s, sufficient capital income should be paid without any labor income, and labor income should be done to assist the enjoyment of life or only if you want, and challenge areas you have not tried.

After the 60s, assets are sufficient but physically weakened, so it is necessary to make and implement a long-term plan for talent donation related to social contribution and the underprivileged.

After your 70s, attention to health is important and the size of your assets increases, so you must not spare money on medical diagnosis to prevent misfortune. You must relax, realize humility to the world, and spend time in awe of all living things and cherish them.

After the 80s, it is not strange even if your health deteriorates rapidly, so you should make clear your wills or inheritance donations when you are healthy and try to see the world more positively and joyfully. The world will be better for future generations to live in if they continue to extend their helping hands on the side of the weak.

If you survive beyond your 90s, you will need to be able to regenerate your diagnostic organs and treat genes. However, since most of my parents and siblings are gone and no one remembers me, it will be a time when loneliness reaches its peak.

Hope in life is only one or two of your favorite ultimate goals. You should constantly practice your simple, regular, and enjoyable goals of using your body, and keep your habit of reading until you die.

Planning to the moment you are born and die in this world will make you different in your attitude and mindset toward life.

Don’t waste your time because you’re young, take care of yourself calmly and make a long-term plan from now on so that you can live your life without worrying about money.🫡