Skip to Content
Special Report

Investing by Life Stages: A Guide for Your Financial Future

Articles, videos, and worksheets for readers of the "Investing by Life Stages" supplement.

Whether you're an early career accumulator, a retiree, or somewhere in between, we hope you've culled some useful information from the guide that we created with Tribune Content Agency.

On this page, you'll find supplementary articles, videos, and worksheets for each life stage; we had more content available than could fit in the printed guide! We've  included some articles that span life stages, too. You'll also find the link to a full webcast featuring Morningstar director of personal finance Christine Benz tackling investing life stage by life stage.

Video: Tips for Investing at Every Life Stage

Article: Essential Financial Documents for Every Life Stage

Webcast: Investing Well at Every Life Stage

Early Accumulators

Article: How to Create an Investment Policy Statement

Worksheet: Investment Policy Statement Template

Article: Is Your Risk Tolerance At War With Your Risk Capacity?

Mid-Career Accumulators

Article: Ways to Pay For College If Your 529 Isn't Enough

Article: Morningstar's Guide to College Savings

Article: Taking a Loan to Pay for Kids' College? Read This First

Pre-Retirees

Article: Retirement Planning When There's an Age Gap

Article: A Social Security and Medicare Checklist for Near-Retirees

Retirees

Video: Why You Need a Retirement Policy Statement

Article: How to Create a Retirement Policy Statement

Worksheet: Retirement Policy Statement Template

Article: Get a Tax-Smart Plan for In-Retirement Withdrawals

Article: How to Create a Master Directory

Worksheet: Master Directory Template

Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data.

We’d like to share more about how we work and what drives our day-to-day business.

We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.

How we use your information depends on the product and service that you use and your relationship with us. We may use it to:

  • Verify your identity, personalize the content you receive, or create and administer your account.
  • Provide specific products and services to you, such as portfolio management or data aggregation.
  • Develop and improve features of our offerings.
  • Gear advertisements and other marketing efforts towards your interests.

To learn more about how we handle and protect your data, visit our privacy center.

Maintaining independence and editorial freedom is essential to our mission of empowering investor success. We provide a platform for our authors to report on investments fairly, accurately, and from the investor’s point of view. We also respect individual opinions––they represent the unvarnished thinking of our people and exacting analysis of our research processes. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive.

To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research.

Read our editorial policy to learn more about our process.