Risk Early, Not Late

"The time to relax is -- when you don't have time for it."

- Sydney J. Harris

A young couple about 26 years old asked for my advice about investing their 403b. We talked about their goals and when they would need the money, and they agreed that they wouldn’t need it until their children (yet unborn, and to their knowledge, unconceived) went to college. I recommended an aggressive growth mutual fund.

A couple in their 50s had a different look in their eyes...