Investor Life Cycle Phases 4

Investor Life Cycle phases four:

1. Investor accumulation phase : early to middle of working years
2. Investor consolidation phase : started from the middle of working years
3. Investor spending phase : the beginning retirement phase
4. Investor gifting phase : the retirement phase

Higher the phase, investor investments should reduce investment risk. Consolidation phase investors should use investments that have less risk than accumulation phase investors. Choosing best investment, investors must consider investment constraints and life cycle investor.