Everyone wants to get financial freedom so that they can live their life according to their wishes. But for this, it is necessary to invest money at the right place. Also, in terms of investment, it is also important to make the right strategy according to age because with increasing age your risk-taking ability decreases and the safety of money becomes more important. If you are investing in mutual funds, then you should especially understand how much money to invest in which fund at what age. Here understand in simple language what investment strategy should be adopted at different stages of age according to your age, your income, responsibilities and risk-taking ability etc.

This is the beginning of your career. You have less responsibilities and you have a long time of 30-40 years for investment. In such a situation, your goal is to make as much money as possible. At this age, the risk-taking capacity is quite good. You have enough time to bear the ups and downs of the market. In such a situation, you should invest most of your money in equity mutual funds. For this, you can adopt the age of 100. Subtract your age from 100 and then invest as much money in equity as the number you get. Example- If you are 25 years old, then you can invest about 75% (100-25) of your investment in equity.

Small-cap and mid-cap funds can give high returns, but the risk is also high in them. In flexi-cap funds, the fund manager invests in small and big companies according to the market. Apart from this, you can also save tax by investing in ELSS funds.

In this decade, your salary increases, but at the same time responsibilities like marriage, house, car and children also come. In such a situation, along with wealth creation, your goal is to save money for down payment of house, children's education etc. However, even at this age, your risk appetite is good. In such a situation, while investing, you have to balance growth and stability. Include some safe funds along with aggressive funds in your portfolio. Your investment in equity can be around 60-70%.

Large and mid-cap funds can be a good option for you. Apart from this, you can also invest in balanced advantage funds. These adjust themselves in equity and debt according to the fluctuations in the market. At the same time, ELSS funds also remain a good option for saving tax.

This is the time when the worry of retirement starts to haunt. Now your focus should be more on keeping the money safe than making it. In such a situation, the goal of most people is to create a large corpus for retirement and plan major expenses like higher education of children. The risk taking ability becomes medium. At this stage of age, you cannot take much risk. In such a situation, you should make an investment strategy thoughtfully. In such a situation, gradually shift your portfolio from equity to debt. It would be wise to limit your equity exposure to 50-60%.

You can invest in large-cap funds. These invest in large and stable companies, which reduces the risk. You can balance both equity and debt by investing in hybrid funds. Apart from this, to give stability to your portfolio, invest some money in debt funds as well.

50 years of age means you are now very close to retirement. At this stage, it is most important to protect your savings from any kind of major loss. In such a situation, your goal is to keep your deposits safe and arrange for regular income after retirement. In such a situation, the risk capacity becomes very low. In such a situation, prepare an investment strategy seriously and avoid aggressive investments completely. Invest a large part of your investment (about 70-80%) in safe options like debt funds.

You can invest in debt funds (such as short-term debt funds). These are among the safest options. Apart from this, you can invest in conservative hybrid funds. More than 75% of the money in these is invested in debt. At the same time, one can also invest in arbitrage funds. These are also considered to be low-risk.

No single investment strategy works for everyone. As you age, your financial goals and risk-taking ability change, and your investment strategy should also change accordingly. Here is some general information. If you want to prepare the right strategy to secure your future, then definitely consult a financial advisor once according to your financial goals. Only then invest your money anywhere.