Fisher Investments’ founder, Executive Chairman and Co-Chief Investment Officer Ken Fisher reviews how investors can determine their “time horizon”—the length of time their assets need to last. Ken believes investors should first determine the primary purpose for their money. For example, investors often want their assets to support them and their spouses for the rest of their lives. In this scenario, Ken thinks the time horizon should equal the longer of the two people’s life expectancies.
Importantly, Ken says assets can have multiple time horizons. Even if an investor’s primary goal is lifetime income, they may have other goals such as gifting to charity, spending on grandkids or leaving money to heirs. Ken suggests investors separate their assets according to their goals, and invest each “pocket” of money accordingly. Ken believes investors with short-term time horizons should focus on lower-volatility investments to protect against major, unexpected losses. Conversely, Ken thinks investors may want to accept higher volatility in exchange for higher return potential to help them reach longer-term goals.
For more of Ken Fisher’s thoughts on the markets, visit us at https://www.fisherinvestments.com.
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Investing in securities involves a risk of loss. Past performance is never a guarantee of future returns. Investing in foreign stock markets involves additional risks, such as the risk of currency fluctuations. The foregoing constitutes the general views of Fisher Investments and should not be regarded as personalized investment advice. Nothing herein is intended to be a recommendation. The opinions expressed are subject to change without notice.