Whether you’re just starting your first job, married with two kids, or planning to retire, investing should be part of your financial plan.  But the same strategy shouldn’t be used for every stage of your life. Generally, people who are younger can tolerate more risk because they have more time to recover from any losses. People nearing retirement tend to be more conservative as their investment goal shifts to generating regular, life-long passive income for their golden years. Tips for all ages Before we look at how to invest at every age, all investors should consider these guidelines too when planning their investment strategies. Risk appetite: How much risk you can stomach is a matter of personal preference. Would you be comfortable seeing your portfolio decline 20%, or would that cause you sleepless nights? Your risk appetite can change depending on your life stage and financial circumstances. Time horizon:...