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Shifting from earning to preserving capital a significant adjustment in latter years continued from p.31 and that can be scary. Your investment strategy aspect of that is their education. There are many will change from accumulating assets to preservstudies showing the strong correlation between ing them and start withdrawing assets to provide a good education and strong earning power. cash flow during retirement. At 30, you will start to cash in on your human The asset allocation of your portfolio will likecapital and realize your good earning ability. You ly start to shift by decreasing the amount held in may think you're broke because you have very lit- stocks to holding more in bonds. This shift to a tle financial assets but your human capital should more defensive portfolio would be done by forenot be underestimated. That is your future. casting your retirement cash flow requirements. You are entering middle age and saving to buy Your money has to be safe but it does have to a house, raise a family, assist children with their maintain some growth to keep up with your repost-secondary education and finally plan for quired purchasing power, factoring in inflation. retirement. Each year, the dollar buys less and if you are forFinancially, you have the ability to take risk. tunate to live a long life, that will become very Your investments will likely be heavily weighted important as the years go by. in stocks because your time frame is long and The three stages of life are very easy to underthe normal volatility of the rise and fall of mar- stand and the best way to approach your investkets is acceptable. The bulk of your life's earning ability Get Your will be between 30-60. You will earn, spend and save. The decisions you make during these years will have an impact on the final decades of your life. Just look Part of the investment challenge for the bright now is the allocation of earnings to The spending and savings. There is plenty Oakville pink insert in of motivation to do both. That ultilifesTYle Today's mately reflects your personal priorities HOme Oakville and financial discipline. sHOW In the final third of your life, your Beaver. investment focus will shift from earning to preserving capital and spending. Don't miss our best show ever! That is a very significant adjustment. The first major adjustment you made april 10, 11, 12 was going from the student part of your at the Glen abbey life where you were building a base to suddenly starting to earn income. Havrecreation Centre (1415 Third line north of QeW) ing money flow in for the first time in your life was an easy adjustment. Show hourS At some point, when your career is Friday 1-9pm Saturday 11am-5pm Sunday 11am-5pm over, the money will stop coming in ing is to realize that financial decisions are based on where you are in life and what you are hoping to achieve. Consider your age and that will be 33 | Thursday, April 9, 2015 | OAKVILLE BEAVER | www.insideHALTON.com Personalized Tree Care in Oakville a guide to good investment decisions. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner free familY pass! Call Storybook to have your trees assessed this spring 905-491-6860 Performing and Visual Arts School Performing & Visual Arts Summer Camp June 29 - August 21, 9am-4pm Extended Hours available - Ages 3-14 Explore Art, Music, Drama & Dance · Specialty Camps · Competitive Dance · Intensive Music, Art, Drama & Acro · Boys Only Camps · Before & After Child Care · End of Week Performances · Small Group Sizes · Camera Viewing of all Studios · Friendly Qualified Instructors Ask Us About Arts Summer Camps STUDIO PAVAS 905-403-9435 1-2301 Royal Windsor Dr., Mississauga www.studiopavas.com studiopavas@sympatico.ca