Investment Portfolio For A 75-Year-Old

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Knowing how and when to adjust your investment portfolio in a constantly changing world can be incredibly difficult. Even the most seasoned investors might second guess themselves when it comes to deciding when they should buy or sell different assets.

This is especially true if you are a 75-year-old who is just getting settled in retirement. By this point, there’s a good chance that you’ve already build up a solid nest egg and are mainly interested in how you can preserve it.

This article will take a look at what the ideal investment portfolio for a 75-year-old looks like.

What’s your investment profile?

Before you can determine what your investment portfolio should look like, it’s important to understand your profile as an investor.

First off, there’s a very good chance that you may be in a very different spot financially by the time you turn 75 compared to others your age. Some people may have spent years building up an incredible fortune while others were more content simply enjoying life. Regardless of where you fit on this spectrum, there are a few things that 75-year-old investors have in common:

  • You have likely paid off your mortgage and built up a solid nest egg
  • Your prime working years are behind you
  • You have a shorter time horizon when compared to younger investors

Keeping these three factors in mind, let’s take a look at the best investment portfolio for a 75-year-old.

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Stocks are known for being fairly risky and, in some of the worst case scenarios, the stock market can decline by as much as 30% in a short time frame. Since you have likely built up a large nest egg, this means that you should be careful when it comes to investing in stocks.

If the market were to crash while you were 75, it could greatly affect your standard of living in retirement. Due to this, most advisors will recommend that 75-year-olds keep about 40% or less of their portfolio in stocks.

So where should you keep most of your money?


Bonds are fixed-income assets that are known for producing consistent income. Since you likely have much more money to invest than someone in their 20s or 30s, this is a great time to transition most of your portfolio into bonds. This will provide you with income during your golden years while also protecting your capital.


Cryptocurrencies are digital currencies that are known for rising and falling by 10% or more in a day. This makes them an incredibly risky choice for someone who is 75-years-old.

Other assets

Your 70s and 80s are one of the best times to consider investing in different types of assets such as real estate, precious metals, and alternative investments. In particular, real estate and precious metals will do a good job of protecting your hard-earned wealth.

This is also a good time to consider establishing a trust or speaking with a tax professional to plan the best way to pass down your estate. We hope that you’ve found this article valuable when it comes to learning what the investment portfolio for a 75-year-old looks like. If you are interested in learning more, please subscribe below to get alerted of new articles.


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