Suddenly felt like writing a back-to-basic topic. Some people think that age and investment strategy are correlated. I beg to differ. IMO we should not plan our investment portfolio simply based on age. Age is just an arbitrary number - an easy form of measurement when it comes to statistics and policies but confer little meaning when we try to measure it against our actual lifespan (we cannot predict how long we can live but ironically still have to do planning base on mean statistics) and how we should be managing our portfolio. Realistically, we can say our age is directly proportionate to our energy level and mental agility but not to our net worth, liability, wisdom or investment risk appetite. These four factors - net worth, liability, wisdom or risk appetite, are key to how we should be investing throughout our lifetime. They must be assessed in close relation to one another and fully dynamic to any life changing events....