Investment Portfolio For A 45-Year-Old

Custom Text

Most people spend their 20s and 30s living and experiencing life as much as they can. While there are plenty of benefits to this, it also usually involves spending most of their paycheck. This can mean that your retirement planning gets put to the side.

If you are in your 40s or 50s and are still tweaking your investment portfolio, don’t worry. There is still plenty of time to put yourself on the right path for retirement.

This article will take a look at what the ideal investment portfolio for a 45-year-old is.

What’s your investment profile?

Before you can determine what your portfolio should look like as a 45-year-old, it’s important to determine what type of investment profile you have.

If you’re not familiar, your investment profile is essentially a combination of your risk tolerance and your time horizon. Your risk tolerance is how much risk you are comfortable taking. Your time horizon is the amount of time that you have available to keep money invested.

Although some 45-year-olds may find themselves at very different points financially, there are a few attributes that are true for most people:

  • By this point, you have paid off any student loans you had but are likely now responsible for a mortgage.
  • You most likely have started a family.
  • You are in your prime earning years.

Keeping these three factors in mind, let’s take a look at the best investment portfolio for a 45-year-old.

Want to learn about finance but don’t know where to start?



Many advisors will recommend that most 45-year-olds keep a good portion of their net worth in stocks. Stocks are generally considered fairly volatile, however, as a 45-year-old you still have quite a few years of growth left until you are set to retire. Due to this, we would recommend keeping anywhere from 50-80% of your net worth in stocks.

Even if the stock market were to crash soon, you would still have 20 or so years left until your retirement. However, you also might have a family and mortgage that you are responsible for. Due to this, you should be invested across different assets.


Bonds are fixed-income assets that are known for producing consistent income. 45 is a good age to consider putting a portion of your portfolio in bonds. This way you will know that you have consistent income coming in. There is also a much smaller chance of bond prices crashing, when compared to stocks.


Cryptocurrencies are digital currencies that are known for being incredibly risky. As a 45-year-old, it’s okay to keep a small portion of your portfolio in cryptocurrencies, especially considering that they have incredible growth potential.

Other assets

Your 40s and 50s are a great time to consider investing in other types of assets. In particular, this is a good time to start investing in real estate. If you have already bought a house then you are on the right path. If not, then you should consider buying an investment property.

Other assets such as precious metals or even alternative assets are also a good idea.

We hope that you’ve found this article valuable when it comes to learning what the investment portfolio for a 45-year-old looks like. If you are interested in learning more, please subscribe below to get alerted of new articles as we write them!


Custom Text