These are your peak earning years. In early midlife, you typically have more liabilities than in young adulthood (e.g. children, mortgage, medical bills, etc.), and are well-established in your profession. Your risk tolerance will tilt closer toward moderate as you have fewer years to retirement, but you can compensate with having more income to save/invest than in young adulthood. It’s recommended to funnel a set dollar amount per pay into your investment & retirement accounts.
