Accumulation Stage  Investor Overview

      Over the course of a career, an investor is in their "accumulation stage" of the investment lifecycle, and accumulates wealth within tax advantaged retirement accounts ( 401K, IRA, Keogh accounts, etc. ). There are a variety of equity asset based ( stocks ) and duration asset based ( bonds ) investments that are offered within company sponsored "plans". These offerings may be sufficient towards achieving a reasonable level of terminal retirement wealth accumulation into their "income stage" ( retirement / decumulation ) years.

 

      However, a motivated, DIY investor may want to explore means towards producing a "higher" terminal wealth accumulation - one compared to that produced by the assets recommended within the conventional retirement plans.

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      Research from Stock Market Map shows that a straightforward mix of three equity‑based asset classes has, over many decades, generated superior long‑term wealth accumulation compared with standard benchmarks and the typical investment menus found in conventional retirement plans. This kind of portfolio is especially well suited to a Roth IRA or traditional IRA, where it can be built and maintained through any brokerage platform the investor prefers, allowing the compounding benefits to unfold in a tax‑advantaged environment.

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     The three asset class portfolio is described in "A Three Asset Class Portfolio For Accumulation Stage Growth" here :

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