What’s the Right Asset Allocation for Your Season of Life?

When it comes to investing, most people ask:

“What should I invest in?”

But a better question might be:

“What’s the right investment mix for where I am in life—right now?”

That’s what asset allocation is all about. And getting it right could make the difference between feeling anxious about the markets… and feeling confident in your plan.

What Is Asset Allocation?

Asset allocation is how you divide your investments among major categories like:

• Stocks (higher growth, more volatility)
• Bonds (more stable, typically lower return)
• Cash or cash alternatives (very low risk, low return)

The right mix depends on your goals, time horizon, and risk tolerance—and those things evolve as life changes.

Why Your Allocation Should Shift Over Time

Here’s a quick look at how your ideal asset allocation might change over the decades:

In Your 20s–30s: Growth Mode

• Long time horizon = you can handle more market swings
• Heavier allocation to stocks (70–90%) makes sense

Example: Jenna, age 28, is contributing to her 401(k). She has 40 years until retirement and chooses a portfolio with 85% stocks, 15% bonds.

In Your 40s–50s: Balancing Growth & Protection

• You still want growth but need to reduce big risks
• A more balanced mix (60–70% stocks) may feel right

Example: Carlos, age 50, wants to retire in 15 years. His portfolio is 65% stocks, 30% bonds, and 5% cash for near-term needs.

In Your 60s+: Preservation & Income

• Now it’s about protecting what you’ve built and generating steady income
• More conservative (40–60% stocks) may align better

Example: Margaret, recently retired at 66, shifted to a 50/40/10 portfolio (stocks/bonds/cash) to reduce volatility and prepare for withdrawals.

Real Story: Two Sisters, Two Seasons

I recently worked with two sisters—both successful, both saving—but in completely different seasons:

• Emily, age 34, was investing aggressively for long-term growth, planning to buy a rental property in 10 years.
• Sara, age 61, wanted to know how much she could safely withdraw each year in retirement.

Same family. Two very different asset allocations.
Because smart investing isn’t about what’s trending—it’s about what fits your life right now.

So… Is Your Allocation Aligned?

Ask yourself:

• Have I updated my investment mix in the last 5 years?
• Do I feel confident in my level of risk?
• Is my portfolio built for the season I’m in—or the season I used to be in?

If you’re not sure, let’s take a look together.

📅 Book your Portfolio Power Hour here:
👉 www.calendly.com/ashlinewcomb

You deserve a portfolio that matches your goals—and grows with you.

Investment advisory services offered through Kingsview Wealth Management, LLC (“KWM”), an SEC Registered Investment Adviser. Insurance products and services are offered and sold through Kingsview Trust and Insurance Services (“KTI”), by individually licensed and appointed insurance agents. KWM and KTI are subsidiaries of Kingsview Partners. KWM is an investment adviser registered with the Securities and Exchange Commission (“SEC”). Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.