
Blog
Introduction
Investment goals aren’t one-size-fits-all. Whether you’re a recent graduate paying off student debt or a retiree seeking steady income, personal circumstances dictate portfolio structure and risk tolerance. A life-stage approach acknowledges these shifts and tailors strategies accordingly.
Life Stages and Considerations
Early Career: High risk capacity, focus on growth-oriented assets.
Mid-Career: Balancing growth with stability, possibly saving for children’s education.
Pre-Retirement: Capital preservation gains importance, with moderate exposure to growth to outpace inflation.
Retirement: Emphasis on reliable income streams, while still preserving some growth potential.
Statistics
A Transamerica Center for Retirement Studies survey found that 70% of workers in their 20s are not fully aware of how much they need to retire comfortably1.
How Surmount Wealth Does It Better
Surmount Wealth incorporates dynamic questionnaires and algorithms that adapt to your evolving needs. Whether you’re in your 20s or 70s, our platform suggests relevant allocations and regularly adjusts as your life stage or market conditions change.
Related

Get Started
Experience the full power of our SaaS platform with a risk-free trial. Join countless businesses who have already transformed their operations. No credit card required.
FAQs