There’s no universal investment plan — because there’s no universal life timeline.
Reminder: Investing isn’t about overnight wins. It’s about playing the long game.
Here’s how to think based on your time frame: Long term (20+ yrs): Go for growth — stocks, real estate.
Medium term (5–19 yrs): Hold steady — start balancing risk and return.
Short term (<5 yrs): Protect more, earn less — cash and bonds matter here.