Choosing Your Investments Based on Your Time Horizon

The Investor Coaching Show with Paul Winkler · Feb 9, 2026 · 21m

This week, Paul has been methodically taking you through the basic principles of building a portfolio that will help you reach your goals. We’ve looked at how cash, bonds, and stocks work together to minimize risk and talked about why picking high-yield bonds and individual stocks opens you up to non-systematic risk (aka risk you wouldn’t get compensated for). Today, Paul discusses the final step in building a portfolio: letting your time horizon be the determining factor in where you allocate the money in your investments. Want to cut through the myths about retirement income and learn…