Twenty-five years is an ideal age to start
saving and managing your investments.
Ideally,
one should invest 90 per cent in equity and 10 per cent in debt. (Equity
linked savings schemes) and a pension fund are also two good investment
options. Include life insurance and health policy in your portfolio for
protection. If you are planning to buy a house, invest in fixed deposits.
At 35 your priorities are
different.
Your child's education expense is now part of your investment portfolio. At
this age, you should be putting 75 per cent money in equity and 25 per cent in
debt. Also start planning for retirement at this age and include a pension plan
in your portfolio.
At 45 years of age, it is necessary to
maintain the equity-debt ratio at 75:25. It is also time to invest in your
child's higher education. Start putting money in mutual fund and equity fund.
A 55-year-old should invest in debt and
equity in equal proportion so that the cash flow is maintained after
retirement. . The best strategy is to begin your investments at the start of
the year and continue it throughout the year.
ARM Investment
Centre
68C Coker Road,
Ilupeju, Lagos,
Nigeria.
T:
+234(1)4718282, 4718169
C:
234-8032478478
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