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Should an 85-Year-Old Invest for the Long Run?

Investing for the long run produces exceptional results over long periods of time. But by the time you get into your 80s, your time horizon gets shorter. Does it still make sense to think about long-term investing at that age?

In the following video, Dan Caplinger, The Motley Fool's director of investment planning, addresses a question from a Fool reader about long-run investing. Dan notes that if you're only caring for yourself and have no other financial obligations, then you can focus more on short-term needs and your own situation, mixing fixed-income investments with conservative dividend-paying stock ETFs SPDR S&P Dividend (NYSEMKT: SDY  ) and iShares Select Dividend (NYSEMKT: DVY  ) . But Dan points out that if you have heirs, things change dramatically, as you want to maximize wealth not just for yourself but for them as well. By considering things like stepped-up tax basis after your death, investing can be much different when you aim to leave a legacy behind.

Is Uncle Sam about to claim 40% of your hard-earned assets?
Thanks to a 2013 law called the American Taxpayer Relief Act, or ATRA, he can, and will, if you aren't properly prepared.

Fortunately, The Motley Fool recently uncovered an arsenal of little-known loopholes to protect yourself from ATRA and help keep the taxman at bay when he inevitably comes calling. We reveal them all in a brand-new special report. Simply click the following link for instant, 100% free access.

Protect my hard-earned wealth from Uncle Sam

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Dan Caplinger

Dan Caplinger has been a contract writer for the Motley Fool since 2006. As the Fool's Director of Investment Planning, Dan oversees much of the personal-finance and investment-planning content published daily on With a background as an estate-planning attorney and independent financial consultant, Dan's articles are based on more than 20 years of experience from all angles of the financial world.

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8/31/2015 1:35 PM
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