How does portfolio management differ from person to person?

One of the biggest factors to consider when investing is your time horizon; how long can you invest before you need to liquidate your position?


Mr. A is 25 and has an investment horizon of more than 25 years. He is able to take more risk in the early years, should his risk profile permit, as he has a long period of time before he needs access to his cash. His objective is to simply to make better use of his savings and achieve superior returns than that of the bank.
Mr. B is 50, he is retiring at 55. His investment horizon is noticeably shorter and the objective of any investments he has will be to cater for his retirement. There will be significant differences in his portfolio mix compared with that of Mr. A


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