5 Rules for Portfolio Planning When You're 45

A woman in a long-sleeve white shirt holding a pen and checking off boxes on a digital checklist.

Forty-five is a strange age to be an investor.

You're not 25, which usually comes with four decades of runway and the overconfidence of youth that matches how aggressive your portfolio should be. But you're not 65, either, meaning you're not so close to retirement that you're counting every dollar you'll have available and feel the need to button up your holdings.