Considering Your Investment Demographic

by David Jenyns on September 16, 2009

Your age, the state of your health, the number of dependents you support, the kind of job you have, whether you are a man or a woman, what kind of goals you have set for yourself — all these, and more, are demographic factors which will bear on your decision about whether to invest.

Demographically, there is, for instance, no age more appropriate than another for investment. But it is conceivable that a young man might find family obligations, such as a new house, absorbing all his resources, that a middle-aged man might prefer to invest surplus funds in his business, and that an elderly man might feel he is too far along for the amount he is able to invest to bring him any significant return.

Good health helps guarantee steadiness of income. Poor health suggests the need for a larger-than-usual emergency cash reserve. Whether you are a man or a woman will not have much to do with your readiness to invest. For, surprising as it may seem, the Stock Exchange survey referred to earlier showed that there are more women shareholders than men.

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