Most people start with “What should I invest in?” The smarter starting point is “When will I need this money?”

That timeline is your investment time horizon. According to SEC investor education materials, time horizon and risk tolerance should help shape how your money is allocated. Money needed soon generally can’t absorb the same market swings as money meant for a goal decades out.

A good investment can still be the wrong fit if you need the money at the wrong time.

This week: choose one investment account, write down the goal and the year you’ll need that money, and check whether your risk matches your timeline.

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For education only, not financial advice.

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