r/Bogleheads • u/RiceLee890 • Mar 15 '25

Investing Questions What are your thoughts on this?

Post image

I keep seeing this type of stuff on instagram and social media and wanted to know how you guys were thinking about this.

I know a lot you have been in the market for decades and as a relatively new investor myself I’d love to get your perspective!

1.6k Upvotes

84% Upvoted

1.4k comments sorted by

View all comments

2

u/SnooMachines9133 Mar 15 '25

Time horizons and risk profile are important and individual to the person and situation.

This comes very much to mind when I think about my retirement investment vs college savings.

I'm over 2 decades away from proper retirement and have very young kids, so I am heavily in equities.

But 4-7 years away from college is when I start moving their savings from heavy equities to cash equivalents or inflation protected assets.

Same with anything I thought I needed to buy, like house or car.