Can I keep investing in the same ETFs forever? How your strategy should change over time

How do you know when it's time to change your strategy?

At just 21, listener Ben is already asking when he should prepare his portfolio for retirement. He's invested entirely in a geared ETF and wants to know what that means for his future.

It's something Jess hasn't really considered either. She's investing for the long term, but what should that actually look like as life changes? Jess sits down with financial adviser Melissa Balacharige from Shadforth to explore how your investment strategy might evolve through your 20s, 30s, 40s, 50s and into retirement.

They unpack when to start de-risking, how your portfolio might change as your goals and time frame shift, and whether the 4% rule still works if you're invested in leveraged ETFs.

Plus, why getting too defensive too early could be one of the biggest mistakes you make.

Chapters:

00:00 Introduction

03:10 The Four Percent Rule

07:14 Investing in Your 20s and 30s

12:24 Diversifying in Your 40s

17:30 Managing Retirement Risk

21:21 Staying Disciplined