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How Late Is Too Late To Get Started Investing?

Many Happy Returns

CHAPTER

The Downsides of a Taika Retirement Fund

On the face of it, this is a sensible strategy. You're taking more risk when you're younger, less risk when you are older. But for the stock components, I think it's a mistake to have a sixfold overweight for the UK. The benefit also is that let's say one of the components massively outperforms. Well, this thing's going to be continually rebalancing as that happens. Whereas you could actually benefit from it because you could move some of your money out of the hugely rallying asset and stick it into one of the underperforming ones. So you can do tactical things with this, which you couldn't do if it was all locked up in one fund.

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