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Industry professionals and academicians agree that there are three investing life stages.
1) Accumulation (21-40)
2) Consolidation (41-60)
3) Retirement (61+)
They are not always called this and age ranges vary. However, there is agreement on the number: Three.
So, what does the industry do? It creates 5, 7, 9, even 16! age-based, such as, target date funds.
This contradicts the accepted 3 stages, is confusing, and gives the impression that the sheer numbers of funds will assure a custom fit.
1-2-3 corrects this.
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