Time doesn’t stand still, and neither does money. That’s why you can use time to your advantage when working towards wealth accumulation.
The longer you contribute money, the more time your money has to compound interest. If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.
Other allocations should be set aside for more conservative products and/or secured income contracts. After all, the last thing you want to do is lose wealth during the next market correction.