How should an 80 year old invest their money?
If you want to expand your portfolio throughout retirement while maintaining some semblance of conservativeness, consider a money market account, mutual fund, preferred stock, life insurance, CD, or government bonds. Deposit certificates (CDs) are one of the safest investment options for seniors, as a fixed amount of money can be kept for a specific period of time for a guaranteed return. These can be bought from banks, brokerage firms and credit unions, with the bank paying higher fixed interest on the fixed amount. It is a savings account with a fixed rate of money over a period of time.
Well-established companies usually pay dividends to shareholders. People who want a more consistent or stable source of income should consider dividend-paying stocks as a safer investment option. Treasury notes, banknotes, bonds and TIPS are some of the safest options. While the typical interest rate on these funds will be lower than that of other investments, they come with a very low level of risk.
The average 70-year-old would most likely benefit from investments in government bonds, dividend-paying stocks, and bonds. All of these options offer a relatively low level of risk. The page you're trying to access doesn't seem to exist. Stock market risks for seniors depend significantly on the person's portfolio asset allocation.
If the majority of its investments are in bonds or bond funds and only a small part is on the stock exchange, this allocation is likely age-appropriate. However, if the 80-year-old owns a large portion of the stocks or funds, even if he has owned those investments for years, some reallocation of assets may be appropriate to reduce exposure to a potential bear market for stocks.