Where to invest your money at every stage of life

Investing looks different depending on where you are in life.

That was the subject of a recent Sydney Morning Herald article, where our Senior Wealth Adviser, Dawn Thomas, shared insights alongside other experts.

For Gen X, Dawn recommends making superannuation contributions a priority and ensuring your investment mix matches your timeframe. With 10 years or more until retirement, growth assets can be appropriate, while still balancing family expenses and education costs. She also noted that investment or education bonds can be a tax-effective way to begin building wealth for children.

For Boomers, the focus shifts to maximising the final working years by contributing as much as possible to super, taking advantage of tax deductions, and adjusting allocations toward more conservative assets without going too far. With life expectancy now over 80, portfolios still need to provide growth. Dawn also encouraged families to consider whether it makes sense to support children or grandchildren sooner rather than later, given the current cost of living.

The takeaway is clear: thoughtful investing evolves with each stage of life. Aligning your money with your circumstances and goals can make a meaningful difference to both retirement outcomes and family wellbeing.