Sample Investment Plan
Age 1 to Age 5
- Put 75% of money in high risk investments
- Put 25% in low risk
Age 6 to Age 10
Put 50% in high risk, put 50% in low risk
Age 11 to Age 15
Put 25% in high risk, put 75% in low risk
Age 15 to Age 18
Put nearly all money in low risk investments
Note: Realize capital gains by Dec. 31 of junior year to exclude from need analysis