An Investing Road Map for Midcareer Accumulators

Key financial priorities for investors in the peak earnings years of their 40s and 50s. [Morningstar](?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_improvingfinances&utm_content=45891&elqTrackId=59b942ae2ea4492891bfb338893b3221&elq=90cf3d92d30e410aaca9b4fcd1d4a444&elqaid=45891&elqat=1&elqCampaignId=22498) [Improving Your Finances] Improving Your Finances with [Christine Benz]( [Christine Benz] Investment advice abounds for people just starting out in their careers, as well as for those who are getting ready to retire. But for midcareer investors, people in their 40s and 50s? Not so much. Workers at this life stage may be at their peak earnings level, and therefore may have more-complex financial needs than their younger counterparts. Moreover, midcareer investors frequently are juggling the competing financial demands of college for their kids and retirement savings for themselves. That’s no small task, especially when you stop to consider the big price tags associated with each, as well as the complexities of calibrating two separate pots of money with two different time horizons. Even so, you tend to see less information about how midcareer accumulators should invest and manage their finances differently than their younger and older counterparts. Like 20- and 30-somethings, midcareer accumulators still have a decent amount of human capital, or earnings power. And with a runway of 15 or 20 years until retirement—and perhaps 25 or 30 more years in retirement—they can usually afford to take plenty of equity risk with their investment portfolios. At the same time, people at this life stage may face serious life—and in turn financial—setbacks from which they never fully recover: a debilitating health condition that limits work, for example, or time away from work to care for aging parents. Here are some key priorities to keep in mind if you’re a midcareer accumulator looking to make sure you’re on the right track with your financial and investing life. [An Investing Road Map for Midcareer Accumulators]( Key financial priorities for investors in the peak earnings years of their 40s and 50s. [Read More]( Share: [facebook]( [twitter]( [linkedin]( ADVERTISEMENT [media]( [media] [Talmon Smith: Assessing the Greatest Wealth Transfer in History]( The New York Times economics reporter on the state of the economy and inflation, tax policy, wealth inequality, and more. [Read More]( [How to Conduct a Midyear Investment Portfolio Review in 2023]( A step-by-step guide to ensure your investment portfolio is on track this year. [Watch Now]( [Are You Making These 5 Common Portfolio Mistakes?]( Problem spots in real-world portfolios—and how to fix them. [Read More]( [The Best Investments for the Core of Your Portfolio]( And how large the core portion of your portfolio should be. [Watch Now]( [TIPS Ladder Funds Don’t Yet Exist, but They Should]( Finally, a new fund proposal that makes sense. [Read More]( Listen Now Get the latest investing insights and market updates with [Morningstar’s podcasts]( available on your iPhone, iPad, Android, PC, or smart speaker. Stay connected: [twitter]( [facebook]( [linkedin]( [instagram]( [YouTube]( [Apple News]( [View online]( | [See all newsletters]( | [Share your feedback]( [Unsubscribe]( from this newsletter. Or update your [email preferences](. © 2023 Morningstar, Inc. All Rights Reserved. 22 W. Washington St. Chicago, IL 60602