Livscykelsportfölj

Livscykelsportfölj, which translates to "life cycle portfolio" in English, is a concept used in financial planning. It refers to an investment strategy that adapts over an individual's lifetime. The core idea is that an investor's risk tolerance and investment objectives change as they age.

During the early stages of a career, when an individual has a longer time horizon and potentially a higher capacity for risk, a growth-oriented portfolio with a higher allocation to equities might be suitable. As an individual approaches retirement, the focus typically shifts towards capital preservation and income generation. This often involves a transition to a more conservative portfolio with a greater emphasis on fixed-income securities and lower-risk assets.

The livscykelsportfölj acknowledges that financial needs and priorities evolve. For instance, saving for a down payment on a house or funding a child's education might influence portfolio adjustments at different life stages. This approach emphasizes a dynamic rather than a static investment strategy, aiming to align portfolio composition with the prevailing circumstances and goals of the investor throughout their various life phases. It is a framework for managing investments proactively in response to the natural progression of life.