Government bonds and bills in May will be your safest paris. In general, older investors to choose low-risk investments. When investors choose to go younger at low risk, it is usually to balance their portfolios. A low risk investment low yields and high risks, high returns. It is easier for young people to develop their savings faster by taking high risk investments, they will have time to make any bad decisions made. The elder can no longer afford to take risks. Based on history, stocks outperform bonds over time.

However, bonds outperform stocks at certain times in the economic cycle. If all your money is invested in shares and you need cash when the stock market is down, you may have a big problem. Put some of your savings in bonds will give you an investment portfolio more stable. For bonds, you can expect your investment income and determined the amount you must save to achieve your financial goal.