Overinvesting puts retirement at risk
A Goldilocks investment strategy means that you are making the most of your financial opportunities without overdoing it and taking unnecessary risk. That is, your level of investing is exactly right (i.e., perfectly balanced). Underinvesting means that you risk not having enough investment assets to enjoy a comfortable retirement. Overinvesting means that you have taken unacceptable risks which may compromise your ability to achieve a comfortable retirement. The goal is to achieve a perfect balance – invest enough to ensure you will meet your lifestyle goals – but not too much that you put…
The skinny
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