Framework — Portfolio by age
Age matters only because the job of the money changes.
The framework does not believe in one magical number for every investor. It believes that younger investors can carry more Build, while older investors usually need more Park and Earn. The point is not to chase a perfect formula. The point is to get the balance close enough to act.
20s = more Build50s = more Park and Earn60s+ = more income discipline
Starting allocations
| Life stage | Park | Earn | Build | Roam | Dare |
|---|---|---|---|---|---|
| 20s | 5% | 10% | 55% | 20% | 10% |
| 30s | 10% | 15% | 45% | 20% | 10% |
| 40s | 10% | 25% | 35% | 20% | 10% |
| 50s | 15% | 30% | 30% | 20% | 5% |
| 60s+ | 20% | 40% | 20% | 15% | 5% |
What changes as age rises
- Build should shrink when the investor needs less growth and more stability.
- Earn should rise when cash flow starts to matter more than raw upside.
- Dare should usually shrink first, not last.
Where it fits
Where it fits: This is a reference page for the builder. It helps the user arrive at a first draft before they start tweaking the sliders.