For most people, investing strategies change as you age because you want to protect what you’ve earned rather than chasing bigger returns. But what if you have more than you’ll need for retirement in your IRA? Is that a time when being aggressive makes sense or should you still take a more conservative approach?

In this video, we’ll be answering a question we recently received with this scenario:

I’m in my 70s and it doesn’t seem that I’ll be needing any of the money in my IRA, although I do have to take RMDs each year. I know that it breaks all of the rules for someone in their 70s to be an aggressive investor, but since I don’t need the money, it’s ok if I’m aggressive, right?

Join us as John answers the questions and explains how he would work through this situation with Nina to help her get the most out of her money.