“Think about it less in terms of age and more in terms of when you actually need the money. Money you won't touch for 10-plus years can be more aggressively allocated. Money you need in the next few years shouldn't depend on what Nvidia reports next quarter. Buffett's 90/10 rule is fine if you have a few decades and the tolerance for it, but not if you need a down payment on a house in, say, a few years,”

Ankur Patel · said date not stated · reported 2026-08-22

Ankur Patel explained how time horizon should dictate an investor's asset allocation.