Your portfolio should change as life changes.
Three simple inputs help us frame where you are today: your age, how soon your nearest important goal arrives, and how comfortable you are with market falls.
Map the stage you’re in.
The Life Journey Index starts with your life stage, then adjusts the long-term mix for your comfort with market falls. Your nearest goal is treated separately, because money needed soon should not be exposed to the same risk as long-term money.
Emergency money is kept outside this framework. The result is an educational starting point, not a personalised investment recommendation.
The Goal Collision Phase
One portfolio, four jobs.
The long-term mix is shown as a single 100% bar so you can see how growth, stability, diversification and liquidity work together.
Growth gradually gives way to stability.
The highlighted point shows your current life-stage starting point. Your nearest goal is still handled separately.
Educational framework only. The illustrative mix is a starting point for discussion, not a recommendation. Goals, income stability, tax position, liabilities, family obligations, risk tolerance and existing holdings can materially change what is appropriate.