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This posting is provided "AS IS" with no warranties, and confers no rights. The opinions expressed within are my own and should not be attributed to any other Individual, Company or the one I work for. I just happen to be a classic techie who is passionate about getting things to work as they should do (and are sometimes advertised and marketed as being able to?) and when I can I drop notes here to help others falling in to the same traps that I have fallen in to. If this has helped then please pass it on - if you feel that I have commented in error or disagree then please feel free to discuss with me either publically or privately? Cheers, Dave
Thin Clients, VDI and Linux integration from the front lines.... Raw and sometimes unedited notes based on my experiences with VMware, Thin Clients, Linux etc.

I freely admit that sometimes (my wife would say a lot of the time) I am easily distracted - and this must surely double when I'm on the web ;-) but there are times when you just stumble on a little nugget of gold?

I have picked up on TED from a post my mate Dave Oliver regarding new developments on graphics and a truly mind blowing video and as a consequence I signed up for updates via email, and so today I was simply skimming through the headlines and ready to move on, and on a whim really, clicked on a link to John Maeda and the laws of simplicity.

The first page was OK and kind of interesting, but then on the second page, I found this little nugget of advice regarding Investment Advice. It is so simple and clear it is a wonder it doesn't get more attention as something that should be listed under "Top Ten Pieces of Financial Advice"?

Simplified Investing

Last week in Bologna I met an investment banker and we got on the topic of ING Direct and their incredible success with a strategy centered around simplicity. The banker told me something interesting I hadn’t heard before that I couldn’t find online. Something to the effect that ING Direct tells their customers that to determine how much of their money they should put into high-risk investments versus low-risk ones, just take your age up to 100 years old. However old you are, that is the percentage that you should invest in the low-risk stuff; then take the number 100 and subtract your age from it and invest that percentage in the high-risk stuff. I was impressed with the simple elegance of the thought.

Making it even simpler (with apologies to John ;-))

In any Investment Portfolio your age is the ideal percentage you should focus towards Low-Risk as opposed to High-Risk

Posted on Friday, September 28, 2007 9:21 AM Real Cool Stuff | Back to top


Comments on this post: How much of your Investment Portfolio should be focused on Low-Risk or High-Risk investments? How can you make a valid judgement?

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